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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Heavy equipment theft runs into the hundreds of millions of dollars a year across US jobsites and recovery rates are low, which is why owned, rented, and leased machines need coverage that follows them to the site and in transit rather than sitting inside an auto or small-tools policy.
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.
Reviewed for insurance accuracy by Richard Sweet, Vantage Point Risk. Last reviewed October 23, 2026. How we review this.
Trades that need contractors equipment
How this coverage applies changes with the work. These are the trades where it does the most, each with the exposure spelled out for that trade.
Excavation Contractors
Owned and rented heavy iron, where the rental agreement makes you responsible for machines you do not own.
Excavation insurance →Concrete & Masonry
Mixers, forms, saws and pumps that move between sites and sit overnight.
Concrete & masonry insurance →Tree Service
Chippers, stump grinders and aerial lifts, a high-value and high-theft category.
Tree service insurance →Paving Contractors
Rollers, pavers and plate compactors, usually a mix of owned and rented units.
Paving contractor insurance →Requirements change at the state line
Licensing, bonds, and workers comp rules vary by state, and so do the limits contracts ask for. Pick yours.
Go deeper in the Learning Center
Plain-language articles on how this coverage behaves in a real claim.
Common questions.
What does contractors equipment insurance cover?
Is rented equipment covered?
Does my auto policy cover my excavator?
How is the limit set?
Is your heavy equipment, owned and rented, covered?
Rented-equipment responsibility and theft terms are common gaps. We check them against your fleet and your rental agreements.
Cover the machines that do the work.
Tell us about your equipment and rentals and we will cover the whole fleet.