Commercial Equipment

Commercial Equipment Insurance

Your equipment is the backbone of your business, and any damage or loss can disrupt your operations significantly. O'Grady Insurance offers Commercial Equipment Insurance to protect your essential tools, machinery, and equipment from theft, damage, and other unforeseen events. With our coverage, your business stays operational and avoids costly interruptions caused by equipment breakdown or loss.

What we offer

Key Coverage Features

Equipment Breakdown Coverage:
Covers repair or replacement costs due to mechanical or electrical failure of your business equipment.


Theft Protection:

Reimburses the cost of stolen tools and machinery, ensuring quick replacements.


Damage Coverage:

Provides coverage for accidental damage or destruction of essential business equipment.


Rental Equipment:

Protects rented equipment, ensuring you’re covered if something happens to tools or machinery not owned by you.


Business Interruption:

Compensates for lost income if equipment breakdown halts your business operations.

Complete Protection for Your Tools and Machinery

O'Grady Insurance offers tailored Commercial Equipment Insurance designed to protect the tools and machinery your business relies on. Whether you own or rent equipment, our policies cover breakdowns, theft, and damage to keep your business running smoothly.

What we offer

Minimize Downtime and Keep Your Business Operational

Unexpected equipment breakdowns can cause costly delays. O'Grady Insurance’s comprehensive equipment coverage helps minimize downtime by ensuring fast repairs or replacements, so your business remains operational without interruption.

Flexible Coverage to Suit Your Equipment Needs

Whether you need coverage for a few tools or large machinery, O'Grady Insurance provides flexible policies to suit businesses of all sizes. We’ll help you choose the right protection for your most essential assets, giving you peace of mind.

For Commercial Property Insurance

Frequently Asked Questions

  • What is Commercial Equipment Insurance?

    Commercial Equipment Insurance covers your business tools, machinery, and equipment against risks like theft, damage, and breakdowns.








  • Does it cover rented equipment?

    Yes, O'Grady Insurance offers coverage for both owned and rented equipment, ensuring all tools and machinery are protected.









  • What if my equipment breaks down due to wear and tear?

    Equipment Breakdown Insurance typically covers sudden and accidental mechanical or electrical failures, but not normal wear and tear.









  • Does this insurance cover equipment used off-site?

    Yes, coverage can be extended to protect your equipment while in transit or used at different job sites.










  • What should I do if my equipment is stolen?

    If your equipment is stolen, report the incident immediately, and we’ll help you with the claims process to replace the stolen items quickly.










Why Choose Us for Your Commercial Property Insurance?

Comprehensive Coverage for Every Piece of Equipment

O'Grady Insurance offers robust protection for every type of equipment your business relies on. Whether it’s large machinery or small tools, we ensure your assets are safeguarded from unexpected breakdowns, theft, or damage.

Fast Response to Minimize Downtime



When your equipment breaks down, it’s essential to get back up and running as soon as possible. O'Grady Insurance offers fast claims processing and support to minimize downtime, keeping your business on track.

Flexible Policies to Match Your Business Needs

We provide flexible Commercial Equipment Insurance that grows with your business. Whether you need coverage for owned, rented, or leased equipment, O'Grady Insurance ensures you’re covered with the right protection.

Trusted Support for Equipment Insurance

With years of experience in commercial insurance, O'Grady Insurance delivers expert guidance and support. We work with you to assess your equipment needs and provide the right level of coverage for your business.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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For businesses

Tailored Insurance Solutions for Your Business

Protecting your business and way of life is our priority. Our business insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your business is safeguarded against unexpected events.

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