Your business has invested heavily in the equipment that gets the job done. However, what would happen if one of your more important pieces of equipment broke down? What would that do to your income stream? Would your business survive? Luckily, there are certain insurance policies that protect your business from such situations. Commercial equipment insurance is a type of coverage that organizations buy to cover losses when machinery unexpectedly breaks down by accident. This type of policy can also help offset any property damage resulting from electrical or equipment failures. In certain cases, it can also cover income loss and additional unforseen expenses.