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Contractors equipment

excavator dump truck

This coverage was developed to help protect commercial operations owning valuable mobile equipment. It provides coverage for construction machinery, equipment and tools of a mobile nature used in contracting, installation, erection and repair, or moving operations or projects.

Insurance agents

Business owners


The following types of operations may be considered in this program:

  • Street and road contractors
  • Concrete and asphalt batch plants
  • General construction
  • Grading contractors
  • Steel erection companies
  • Landscaping operations
  • Roofing contractors
  • Artisan contractors, including carpentry contractors, drywall contractors, electrical contractors, masonry contractors, HVAC contractors and plumbing contractors

Ineligible risks:

  • Cranes with booms exceeding 25 feet in length
  • Waterborne equipment
  • Select other operations


  • Nationwide except HI

Submission requirements:

  • A completed ACORD 125 is required of all submissions
  • Currently valued loss runs for the most recent prior 3 years
  • Provide information on type of contractor and work performed
  • Schedule of equipment, including manufacturer, year, model, serial number and limit of insurance

Coverages offered:

The program provides physical damage coverage to mobile equipment, machinery and tools typical of construction equipment.

Coverage limits:

  • Up to $500,000 per item and $10 million per schedule
  • Higher limits may be available, subject to underwriting

Admitted or non-admitted paper:

  • Admitted

Additional coverage options available:

  • Rented/leased equipment limit
  • Replacement cost
  • Rental reimbursement
  • Various deductibles starting at $500
  • Minimum premium $500