Your insurance company will cover the cost of the repairs in case of a collision that wasn't your fault. The other party's insurer is also liable for these costs, so there shouldn't really be any concern about footing the bill on your own. In today's highly competitive atmosphere, protecting your business with equipment breakdown insurance along with mechanical breakdown insurance can cover the cost of expensive repairs to your vehicle or office equipment. It may not be pleasant to think about what can go wrong when launching a new business, but comprehensive insurance coverage can give you some breathing room.