Tools & Equipment Coverage (aka Inland Marine)
Items typically insured under a Equipment policy include bulldozers, power shovels, loaders, graders, backhoes, forklifts, pavers, compressors, pumps, hand tools and numerous other items of a mobile or portable nature.
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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:
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Scheduled or blanket coverage options available
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Borrowed equipment
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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.
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Employee tools and work clothing (maximum $500 any one item).
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Unscheduled Equipment (maximum $1,000 any one item)
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Rental reimbursement
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Rental equipment
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Spare Parts and Fuel and Pollution Clean Up and Removal options
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Special coverage package automatically includes basic limits for the following with higher limits available:
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Additional debris removal expenses - $5,000
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Expediting expenses - $1,000
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Fire department service charges - $10,000
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Inventory and appraisal - $10,000
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Recharge of fire extinguishing equipment - $1,000
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Reward of recovery of stolen equipment - $10,000
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$500 minimum premium applies
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