Usually not. Standard commercial property policies cover external causes of loss — fire, theft, vandalism, weather — but exclude internal mechanical or electrical breakdown of equipment. Equipment breakdown insurance (also called boiler & machinery) fills this gap and covers things like refrigeration system failures, electrical short-circuits damaging production equipment, computer-control system failures, and HVAC breakdowns. For any manufacturer dependent on specific equipment to keep producing, this coverage is foundational. Often available as an endorsement to your property policy at modest additional cost.