How is it different from builders risk?

Builders risk covers the project structure. An installation floater covers your materials and equipment before they are installed and accepted. They are complementary, and we coordinate them.

Who needs an installation floater?

Trades that supply and install valuable equipment, HVAC, solar, electrical, plumbing, and flooring, especially when contracts make you responsible for materials until acceptance.

Does general liability cover my own materials?

No. General liability covers third-party claims, not damage to your own materials. The installation floater is what protects them.

Installation Floater Insurance - Vantage Point Risk

Materials covered until the job is accepted.

An installation floater covers the materials and equipment you are installing, in transit, in storage, and on site, until the job is complete and accepted. It closes a gap general liability and the owner's property policy both leave open.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

An installation floater covers a contractor's materials and equipment from the time they leave the supplier through transit, storage, and installation, until the work is accepted. General liability does not cover your own materials, and builders risk or the owner's policy may not respond until installation is complete.

Why the gap exists

Between buying materials and finishing the install, the property is exposed and often uninsured. Your general liability covers third-party claims, not your own materials. Builders risk may cover the project but not always the materials in transit or before they are part of the structure. The installation floater fills that window, which matters most for high-value equipment like HVAC units, solar panels, and fixtures.

Who needs it

Trades that supply and install valuable equipment, HVAC, solar, electrical, plumbing, and flooring, benefit most. It is especially important when a contract makes you responsible for the materials until the owner accepts the work, because a fire, theft, or transit loss before acceptance otherwise falls on you.

How we handle it

We size the floater to the value of the materials you install, confirm it covers transit, storage, and on-site exposure through acceptance, and coordinate it with builders risk so the project and the materials are both covered without overlap or gap.

Materials covered until the job is accepted.

Why the gap exists

Who needs it

How we handle it

Common questions.

Are your materials covered until acceptance?

Keep going.

Builders Risk

HVAC Contractors

Coverage Review

Cover the materials until the keys turn over.