Which of the following is NOT covered under the Equipment Breakdown Protection Coverage Form?

• A. Electrical failure of transformers
• B. Mechanical breakdown of production machinery
• C. Explosion of steam boilers
• D. Wear and tear of equipment

Answer: (D)

Verified step by step guidance

1. Understand the context of the Equipment Breakdown Protection Coverage Form, which is designed to cover sudden and accidental breakdowns of equipment, including mechanical and electrical failures.
2. Review the specific items listed in the problem: electrical failure of transformers, mechanical breakdown of production machinery, explosion of steam boilers, and wear and tear of equipment.
3. Recognize that wear and tear is a gradual deterioration over time due to normal use, which is typically excluded from coverage under most insurance policies, including the Equipment Breakdown Protection Coverage Form.
4. Compare wear and tear to the other listed items, which involve sudden and accidental events (e.g., electrical failure, mechanical breakdown, explosion) that are generally covered under this type of insurance.
5. Conclude that wear and tear of equipment is NOT covered under the Equipment Breakdown Protection Coverage Form because it does not meet the criteria of sudden and accidental damage.