The 60-second version
Boiler insurance covers explosion and collapse of steam boilers and pressure vessels — mandatory with IBR inspection for factories; pairs with machinery breakdown rider.
Boiler policy is IBR-driven — not generic fire cover
Indian Boiler Regulations require inspected boilers — insurance covers explosion, collapse, and third-party damage from boiler failure.
Distinct from machinery breakdown which covers electrical/mechanical failure of production equipment.
MBD lane: machinery breakdown guide.
Factory cover stack
| Policy | Covers | Trigger |
|---|---|---|
| Boiler | Explosion/collapse | IBR vessel |
| MBD | Machine failure | Production line |
| Fire | Premises | Fire peril |
| WC | Worker injury | Statutory |
Boiler insurance setup
IBR survey
Inspector certificate current.
SI schedule
Boiler value + TP limit.
Policy bind
Named boilers on schedule.
Annual IBR
Renew with inspection.
Compliance loop
Boiler kit
- IBR cert.
- Boiler list.
- SI amount.
- Inspection date.
- Policy cert.
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Small steam unit
Even small commercial boilers need IBR + insurance in many states.
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0 of 4 checked
Restaurant boiler?
Smaller units may be exempt — verify state IBR rules.
vs MBD?
Boiler = pressure vessel explosion; MBD = machine breakdown.
Third party?
TP liability extension for injury outside premises.
IBR lapse?
Insurer may deny claim — keep inspection current.
New factory?
Bind before commissioning steam.
Premium?
Based on boiler age, pressure, and SI.
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