What does contractors equipment insurance cover?

Larger mobile equipment, owned, rented, and leased, against theft and damage on the jobsite and in transit. It is separate from small-tools coverage and from auto.

Is rented equipment covered?

It can be, and it often needs to be, because rental contracts make you responsible for damage to the machine. We add rented and leased coverage to match your agreements.

Does my auto policy cover my excavator?

No. Auto covers the vehicle, not the equipment it tows or carries. Equipment damage needs contractors equipment or inland marine coverage.

How is the limit set?

Equipment is usually scheduled at replacement value, with attention to deductibles and theft and transit terms. We size it to your fleet.

Contractors Equipment Insurance - Vantage Point Risk

Heavy and mobile equipment, on the move.

Excavators, skid steers, lifts, mixers, and trailers are expensive, mobile, and not covered by your auto or property policy when they are damaged or stolen. Contractors equipment insurance, a form of inland marine, protects the heavy gear that does the work.

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Contractors equipment insurance covers larger mobile equipment, owned, rented, and leased, against theft, damage, and certain perils on the jobsite and in transit. It is distinct from small-tools coverage and from auto, which covers the vehicle but not the equipment it tows or carries.

Why heavy equipment needs its own coverage

A loaded auto policy covers the truck, not the excavator on the trailer, and a property policy stays at a fixed address. Contractors equipment coverage is built for machines that move between jobsites and sit overnight, the equipment that is both essential and a frequent theft target. For excavation, landscaping, concrete, and GC operations, it is core coverage.

Owned, rented, and leased

Coverage can include equipment you own and equipment you rent or lease, which matters because rental contracts often make you responsible for damage to the machine. Limits, deductibles, transit, theft, and flood terms, and how rented equipment is handled, are the details that decide a claim. We make sure rented gear is covered the way your rental agreements require.

How we handle it

We schedule your equipment and set limits to real replacement value, add rented and leased coverage to match your rental agreements, and check transit, theft, and flood terms. We coordinate it with tools coverage and auto so the whole fleet of gear, small and large, is protected.

Heavy and mobile equipment, on the move.

Why heavy equipment needs its own coverage

Owned, rented, and leased

How we handle it

Common questions.

Is your heavy equipment, owned and rented, covered?

Keep going.

Inland Marine

Excavation

Coverage Review

Cover the machines that do the work.