Trends in business also have created an exposure that many businesses may overlook. Consolidation and rightsizing also have resulted in larger and larger groups of subsidiaries becoming dependent on a single system. There is little or no redundancy. Companies increasingly are exposed to 'electronic trickle down' where one unit's problems can infect the entire operation. And the problem does not necessarily have to occur on site for it to have a serious impact on a company.
Companies depend on utilities and other service providers for power, communications and so on.
He goes on to outline a number of issues that need to be investigated when contemplating equipment breakdown coverage. This does vary from form to form. Many old forms exclude certain types of equipment such as elevators and escalators, for example. Safety devices also may be excluded. Computers are covered differently depending on the policy form.