Power Transformer Shopping center and mall owners are responsible for the incoming power supply and the distribution substations. Virtually every building has a transformer to step voltage power down to a level that can be used within the building. They are expensive to repair or replace and are subject to breakdown due to power surges, short circuits and aging insulation. A breakdown to the building's transformer can also cause a Business Interruption loss to retail storeowners in the same facility. © 2004 The Hartford Steam Boiler Insurance and Inspection Company.     All rights reserved.