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[Amended 10/14/26] A container is dropped during discharge. A reach stacker punches a hole in a reefer. Cargo in a transit shed is damaged by water ingress, or walks off the terminal entirely. In each case the goods belong to somebody else, they were in your possession when it happened, and the cargo owner or its subrogated underwriter will be in touch. Your commercial general liability policy will not respond to any of it. That is not a gap in your program, an oversight by y

A hoist motor on a ship-to-shore crane burns out. A compressor in a refrigerated warehouse seizes on a Friday night. A transformer feeding a bulk conveyor system arcs and fails. In each case the equipment is destroyed, the operation stops, and the commercial property policy does not respond. Not because of a limit, a deductible, or a coverage dispute, but because the property form excludes the cause of loss by design. Equipment breakdown coverage fills that gap. It is inexpen