Equipment breakdown insurance is an import aspect to protect today’s high-tech industries. Computer systems are expensive components and integral to the daily operations of many technological businesses. While equipment breakdown insurance will typical not cover damages or interruptions due to software malfunctions, this type of policy will protect a business’s computer systems if those systems experienced damages from power surges, hard-drive damages caused by physical harm. Agricultural businesses which may experience losses due to equipment breakdowns, such as food spoilage or food contamination can benefit from equipment insurance coverage. Hospitals and schools often have equipment and technologies which can be expensive and cause loss of profits in said equipment were to fail. These industries have found equipment coverage and instrumental addition to their insurance coverage.