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. Many policies limit what is covered. There may be a restriction based on the distance of the service from the insured, for example. This is especially important when buying equipment breakdown coverage as a separate monoline policy.