Contractors EquipmentInsurance · Inland Marine
Contractors equipment & inland marine

Contractors equipment insurance that follows the machine

Cover the equipment you own, the machines you rent, and the ones you rent out on one equipment floater. Builders risk, motor truck cargo, fine arts, solar and every other inland marine class are here too.

Start the equipment applicationBrowse all coverage

Contractors equipment, covered four ways

Most equipment losses come from the gaps between these four. One application covers all of them, so a machine is not uninsured just because it changed hands for a week.

One policy

One equipment floater. Four coverages. Pick any combination.

You don't need four policies. Each of these is an option on the same equipment floater, and the application asks which ones you want.

Choose your coverages in one application
01

Equipment you own

Excavators, loaders, skid steers, compactors and attachments. Schedule the big machines by serial number and cover the rest under a blanket limit.

Read more →02

Equipment you rent from others

Rental contracts make you responsible from the yard gate back to the yard gate. A rented equipment limit often costs less than paying damage waivers on every rental.

Read more →03

Equipment you rent to others

Many contractor policies exclude a machine while someone else is renting it. Coverage for the machine and for the rental liability have to be added on purpose.

Read more →04

Contractors tools

Hand tools, power tools, lasers and ladders on the truck and in the gang box. Theft from vehicles is the most common contractor property claim.

Read more →
Start the contractors equipment applicationHow an equipment floater works

Need a contractor license bond?

Many states and cities require a contractor license bond before you can get licensed or pull permits. Find the bond your state requires.

Contractor license bonds(opens SuretyBondly in a new tab)

Every inland marine class, in one place

Each card opens a page explaining the coverage and the fastest way to apply. Classes with their own online application say so.

How it works

1

Pick your coverage

Choose a card above. Each page explains what is covered and links to the right application.

2

Fill out one application

Most take 10 to 15 minutes. Have your equipment list, values and loss history handy.

3

Get your options

Your answers go to markets that write the class. Someone follows up with quotes or questions.

For insurance agents

Place your clients' inland marine here

Fill out an application for a client, or send it to them to complete. Every submission comes with a completed application PDF. Request an appointment to get started.

Contractors equipment insurance questions

What is contractors equipment insurance?

Contractors equipment insurance is inland marine coverage for mobile equipment and tools. It is written on a floater, so coverage follows the equipment to job sites, storage yards and trailers instead of staying at one address the way a building policy does.

What is inland marine insurance?

Inland marine covers property that moves, property at temporary locations, and other people's property in your care. Contractors equipment, builders risk, installation floaters, motor truck cargo, fine arts and bailee coverage are all inland marine.

Does general liability cover my equipment?

No. General liability covers injury and damage you cause to other people. Damage to your own equipment, or to rented equipment in your care, needs inland marine coverage.

I'm an insurance agent. Can I submit for a client?

Yes. Every online application starts by asking whether you are the business owner or an agent. Agents can fill it out for a client or send it to the client to complete. You can also request an appointment on the agents page.