Cover the gear that lives on the road and at the loss.

Why fixed-location property is not enough

Standard commercial property covers assets at your listed location. Restoration equipment is almost never there, it is on the truck, at the loss, or drying a building for days. Inland marine and equipment coverage is written to follow movable property off premises and in transit, which is where restoration gear actually lives and where it is most exposed to theft and damage.

What it covers

It covers the equipment that defines the operation: air movers, dehumidifiers, air scrubbers, ozone and hydroxyl generators, extraction units, generators, moisture meters, and thermal cameras, owned, and often rented or leased. Coverage responds to theft, damage, and loss away from your premises, so a stolen trailer of drying equipment does not stop the business.

Rented and leased equipment

Restorers often rent or lease equipment for large losses, and rental agreements can make you responsible for damage or loss to that gear. Coverage should contemplate rented and leased equipment, not just owned, so a damaged rental unit does not become an out-of-pocket loss. We confirm how your program treats it.

How we handle it

We schedule or blanket your equipment appropriately, confirm coverage follows it in transit and at the loss, and include rented and leased gear where you use it. We size the limit to your actual fleet, including deployed equipment on large losses, so a theft or damage claim away from your yard is fully covered rather than capped below the value at risk.