Coverage lines

Insurance built line-by-line for contractors’ gear.

Each policy below addresses a specific exposure for contractor gear — from the GL gap that leaves your tools uninsured to the scheduled floaters, mobile-equipment, and breakdown coverage that actually replace your equipment when it’s stolen or fails.

Core coverage

Tools & Equipment Floater

Scheduled tools-and-equipment coverage for the nail guns, miter saws, lasers, generators, and compressors that walk off jobsites — written at replacement cost so a theft doesn't come out of your pocket. The core policy every gear-heavy contractor needs.

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Scheduled Equipment & Mobile Gear

Scheduled coverage for high-value and mobile equipment — boom lifts, towable compressors, welder generators, and specialty gear — listed individually with agreed value so a total loss pays what the equipment is really worth.

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Installation Floater

Coverage for materials and supplies while in transit to the jobsite and until they're installed and accepted — closing the gap between the supplier's truck and the structure so a lost, damaged, or stolen material package is covered.

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Inland Marine Insurance

Broader inland marine coverage for equipment and goods in transit, at off-site storage, and on jobsites — the flexible coverage class that follows your gear wherever the work takes it, beyond what a fixed property policy will cover.

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Equipment Breakdown

Coverage for the internal mechanical and electrical failures that standard property excludes — blown compressors, fried generator windings, burned-up motors, and shorted electronics — so a breakdown doesn't sideline your gear for weeks.

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Commercial Auto Insurance

Coverage for the work trucks and tool trailers that haul your gear between jobsites — including theft from vehicle, trailer physical damage, and hired/non-owned auto for employees running materials in their own trucks.

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General Liability Insurance

Third-party bodily injury and property damage protection for your operations — and the important clarification that GL does NOT cover your tools. We coordinate your GL with a tools floater so the gap between them is closed.

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Umbrella / Excess Liability

Layered limits above your general liability, auto, and employers' liability — essential when a stolen-equipment loss, a jobsite injury, or a multi-party claim could otherwise exhaust your primary coverage and your gear investment.

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Not sure which lines you need?

Most gear-heavy contractors bundle a scheduled tools floater + mobile equipment + equipment breakdown + commercial auto into one coordinated program. We'll build the right mix in one call.

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