Under equipment breakdown protection coverage, an accident would include

Wear and tear refers to the gradual deterioration of equipment due to normal usage over time. This type of damage is typically not covered by equipment breakdown protection, as it results from expected usage rather than an unexpected incident. Insurers generally exclude wear and tear from their policies because it is considered a normal part of equipment life.

Leakage of valves may not be considered a sudden breakdown, as it can often result from wear and tear or poor maintenance practices. Insurers typically classify this kind of issue separately, and it may not qualify for coverage under equipment breakdown policies unless it results from a sudden and unforeseen event.

A failure of a safety device may indicate a malfunction, but it does not necessarily refer to a sudden breakdown of the primary machinery or equipment. Coverage for a safety device failure is often limited and may not apply if the failure is due to maintenance neglect or gradual deterioration rather than an unexpected incident.