Equipment policies can be written for contractors including those involved in carpentry, drywall, electrical, HVAC, masonry, plumbing and roofing; agricultural businesses including farming operations and landscaping; as well as other users of equipment including many general business operations.

Policy Coverage and Limits:

• Scheduled or blanket coverage options available

• Borrowed equipment

• Replacement Cost valuation automatically applies to property five years old or newer. Any property older than five years (as of policy expiration date) will be covered at Actual Cash value.

• Employee tools and work clothing (maximum $500 any one item).

• Unscheduled Equipment (maximum $1,000 any one item)

• Rental reimbursement

• Rental equipment

• Spare Parts and Fuel and Pollution Clean Up and Removal options

• Special coverage package automatically includes basic limits for the following with higher limits available:

  • Additional debris removal expenses – $5,000

  • Expediting expenses – $1,000

  • Fire department service charges – $10,000

  • Inventory and appraisal – $10,000

  • Recharge of fire extinguishing equipment – $1,000

  • Reward of recovery of stolen equipment – $10,000

• $500 minimum premium applies