A laser engraver is the most expensive and most critical asset in your business. A top-tier fiber laser can cost $80,000–$200,000. A CO2 system from $2,000 to $60,000. When that machine goes down — whether from a blown power supply, accidental damage, or theft — your business stops. Equipment coverage gets you back to work.
Unlike a standard commercial property policy (which covers named perils like fire and flood), equipment breakdown insurance covers mechanical and electrical failure — the most common way expensive laser equipment fails. For complete protection, we bundle equipment breakdown with inland marine (transit and off-premises coverage).
A standard commercial property policy covers fire, theft, and flood — but explicitly excludes mechanical and electrical breakdown. If your laser tube burns out, your power supply shorts, or your chiller fails — that's NOT covered by property insurance. Equipment breakdown coverage fills this critical gap.
Property Insurance Covers
Equipment Breakdown Covers
Equipment breakdown (also called boiler & machinery) covers sudden mechanical or electrical failure — like when your laser power supply burns out. Inland marine covers physical loss or damage from events like fire, theft, or accidental dropping. Engravers typically need both. We can bundle them.
We write equipment policies on either a replacement cost value (what it costs to buy a new equivalent unit) or actual cash value (replacement cost minus depreciation) basis. We strongly recommend replacement cost for laser engravers, as laser technology pricing changes rapidly.
Standard equipment coverage covers repair/replacement costs. Business income coverage (or 'extra expense' coverage) can be added separately to compensate for lost revenue during the repair period. This is especially valuable for high-volume engraving operations.
Yes, older equipment is insurable. We may require a brief equipment inspection or a statement of condition. Coverage is available for most machines regardless of age, though very old machines may be insured at actual cash value rather than replacement cost.
Get a free quote tailored to your specific laser engraver make, model, and value.
Request Free Quote844-967-5247Typical Cost
$400 – $1,200/yr
Per $50,000 in equipment value. Lower rates for newer, better-maintained machines.
Did You Know?
The average laser tube replacement costs $800–$4,000. A fiber laser power supply: $2,000–$8,000. Without equipment breakdown, those are out-of-pocket expenses.