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Commercial Insurance > Boiler & Machinery
Boiler & Machinery insurance covers direct damage to covered property when caused by a covered cause of loss.  Covered property is any property that is owned by the named insured or is in the named insured's care, custody, or control and for which the named insured is legally liable.  A covered cause of loss is a sudden and accidental breakdown of the insured's boiler and machinery equipment or any part of the equipment described in the policy.  Boiler & Machinery insurance is necessary because commercial property policies exclude explosion of steam boilers and breakdown of machinery.
 
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