The major peril when insuring boilers and pressure vessels is breakdown. Which is NOT part of the Boiler and Machinery policy?

• A. Covers Boilers and Pressure vessels.
• B. Covers machinery if an accident does occur.
• C. The major peril when insuring boilers and pressure vessels is breakdown.
• D. An example of machinery would be electric motors.

Answer: (C)

Boiler and Machinery coverage focuses on unexpected, accidental damage to covered equipment, rather than on a single defined “peril.” It covers boilers and pressure vessels, and it also covers machinery when that machinery suffers a sudden, accidental breakdown or failure (for example, an electric motor is a typical piece of machinery that can be covered). The idea that the policy’s major peril is simply “breakdown” is not how the coverage is framed—the policy insures direct physical loss arising from accidental breakdowns and related failures, not a standalone statement that breakdown is the sole major peril. Because that framing doesn’t align with how Boiler and Machinery coverage is structured, the statement identifying breakdown as the major peril is not part of the policy.