Definition: Equipment breakdown covers sudden mechanical or electrical failure of equipment such as HVAC, water heaters, dryers, lasers and compressors — failures standard property policies usually exclude.

Why it matters for salons and spas

Salons depend on hot water, climate control and powered tools; a breakdown can halt business for days.

Example

A water heater fails on a Saturday; equipment breakdown pays repair and related lost income.

Related terms

Business Income Coverage · Business Owners Policy (BOP)

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