Trustworthy Bank Thought They Were Fully Insured... The Policy Exclusion Proved Otherwise.
Equipment Breakdown Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
Quality Manufacturing’s Surge Denial*
A July storm surge fried a $400,000 injection-molding machine at Quality Manufacturing. The claim was denied because the insurer’s technician found no surge protection devices installed—which were required per policy guidelines.
Potential Denial (The Exclusion):
Equipment breakdown policies often require the active installation and maintenance of protective devices (like surge protectors); failure to comply can invalidate claims.
Risk Identified by My Policy Advocate:
Preventive maintenance and protection device requirement.
Policy Language:
“The Insured shall install and maintain surge protection devices; failure may result in denial.”
Discovery by Clara, our Ai Assistant:
Clara highlights the policy requirements for protective device installation and maintenance, which can be easily overlooked.
Questions to Ask Your Agent:
- Can I schedule regular inspections under the policy?
- Are there approved vendors or certifications required for protective devices?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
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