Is equipment buried in the ground covered under Equipment Breakdown Protection Coverage Form?

Under the Equipment Breakdown Protection Coverage Form, equipment that is buried in the ground is not covered. This exclusion typically stems from the nature of the equipment's exposure and the perils associated with equipment breakdowns. The policy generally aims to cover equipment that has a higher risk of failure and easier access for inspection, maintenance, and repair – factors that are diminished when equipment is buried.

While the policy may cover a wide array of machinery and components, it typically includes restrictions on items that are permanently fixed or underground due to the increased risks involved, as well as difficulties related to assessing damage or conducting repairs. Understanding the specifics of coverage forms—like which installations are included and which aren't—is essential for insurance professionals to accurately inform policyholders about their coverage.