INTRODUCTION

The Insurance Services Office (ISO) Boiler and Machinery Coverage Form was revised with the 07 01 edition and renamed Equipment Breakdown Protection Coverage Form. This name more accurately and completely responds to insureds’ coverage needs in the 21st century. This change required developing completely new forms, provisions, and endorsements. This analysis is of the 01 13 edition of EB 00 20. Changes from the 09 11 edition are in bold.

EB 00 20–EQUIPMENT BREAKDOWN PROTECTION COVERAGE FORM ANALYSIS

The coverage form opens by stating that certain provisions in it restrict coverage. It encourages careful reading of the entire policy in order to understand the rights and duties of both the named insured and the insurance company as well as to determine what is covered and what is not covered. It also points out that the insurance company uses the terms you and your to refer to the named insured and the terms we, us and our refer to the insurance company that provides coverage. Additional terms are also defined, but their definitions are found in F. Definitions later in this analysis.

A. COVERAGE

1. Covered Cause of Loss

The only covered cause of loss is a breakdown of covered equipment.

Note: Breakdown and covered equipment are both defined terms and are explained in detail in F. Definitions.

2. Coverages Provided

Insurance applies to only coverages that have a limit or the word INCLUDED entered in the spaces provided on the declarations. There is no coverage if there is no entry in that space.

The limit of insurance entered for each coverage is the primary limit. If INCLUDED is entered next to the coverage on the declarations, that coverage is included in the total limit per breakdown.

Each coverage provided applies to only the part of any loss that results directly from the covered cause of loss. There are ten coverages.