There are various mechanical and electrical systems required for the running of your business, from HVAC to your security system. Systems breakdown insurance is designed to help you if you have any problems with these systems by covering costs to repair or replace equipment. Commercial property insurance can help to protect these systems in some situations, but won’t always provide coverage if damage occurs. Having a separate insurance policy to cover the systems helps keep your business running. Equipment breakdown insurance is increasingly replacing traditional boiler and machinery (BM) insurance, in part simply because the title is more descriptive of the coverage provided.