Protection structured around real-world risk.
Specialized engineering insurance protecting critical production machinery, electrical transformers, boilers, turbines, and CNC lines against sudden, unforeseen internal mechanical or electrical failure while at work or at rest.
GITVISHA · RISK ADVISORYCommercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.
Insuring operational plant equipment at depreciated market value instead of New Replacement Value (NRV).
Critical machine breakdown requiring rapid emergency air freight of OEM replacement assemblies and flying in specialized foreign engineers.
Failing to maintain written OEM-prescribed maintenance logs, oil testing records, and statutory vibration analysis reports.
These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.
Short-circuits, voltage surges, arcing, insulation failure, lightning flashover, and motor winding burnout
Centrifugal force rupture, shaft fracture, fatigue breakdown, overheating, and balance-weight displacement
Accidental damage caused by human error, lack of skill, improper handling, or foreign bodies falling into machinery
Hydraulic cylinder blowout, pressure valve failure, and lubrication system blockage
Protection while machinery is in active operation, idling, being cleaned, or during maintenance overhaul within premises
Air freight charges for emergency replacement parts, express delivery, and overtime wages for rapid repairs
The right structure starts with understanding your assets, operations, people and contractual responsibilities.
Compare more than price. Review limits, deductibles, exclusions and policy conditions.
Sum Insured must strictly reflect New Replacement Value (NRV)—including current new machine price, freight, customs, and erection costs
Maintaining active Annual Maintenance Contracts (AMC) and OEM-recommended preventive maintenance logbooks
Separating routine wear-and-tear consumables (belts, filters, lubricants, cutting tools) from insured capital components
Reviewing machinery testing deductibles and excess thresholds based on machine horsepower and voltage rating
Need more clarity? Send us your requirement and our team can help explore the next step.
Ask our teamStandard Fire & Property policies strictly exclude internal electrical or mechanical breakdown. They only cover external fire damage. If an electric motor burns its windings or a turbine shaft cracks due to centrifugal stress, a fire policy pays nothing. MBD insurance specifically covers these internal operational failures.
The sum insured must always be the current New Replacement Value (NRV) of the machinery, including freight, customs duty, and installation charges. Partial loss repairs are settled on a 'new-for-old' basis without depreciation on replacement parts, provided the machine is insured at full NRV.
Yes. Sudden and accidental physical damage resulting from operator negligence, lack of skill, or inadvertence is covered under standard Indian MBD wording.
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