Coverage for the heavy equipment your operation runs on.
Inland marine coverage for excavators, loaders, cranes, and heavy equipment, protecting machinery on the job site, in transit, and in storage. Plus the broader contracting coverages that go with it.
Prefer to talk it through? Call (954) 953-4845
In short
Construction equipment (contractor's equipment) insurance is inland marine coverage that protects movable heavy machinery, excavators, bulldozers, cranes, generators, tools, and scaffolding, against theft, damage, and loss on the job site, in transit, and in storage.
What it covers
The protection this policy actually puts in place.
- Heavy equipment, excavators, bulldozers, cranes, generators, on the job site
- Machinery, tools, and scaffolding damaged or stolen in transit between sites
- Equipment in storage between jobs
- Owned, rented, and leased equipment scheduled on the policy
Who needs it
Is this coverage for your operation?
Contractors and operations that haul and run heavy equipment. If you move machinery between sites, or your trucking operation crosses into construction and heavy haul, inland marine coverage protects equipment that auto and cargo policies were never designed for.
Construction operations usually need more than equipment coverage alone. We can also place general liability, workers' compensation, builder's risk, contractor's equipment, professional liability (E&O), pollution, and umbrella coverage as one coordinated program.
Why Road Ready for construction equipment
The difference is how we place it.
Construction equipment sits at the seam between trucking and inland marine, and generic brokers often mis-place it. We schedule your equipment correctly by value and type so a loss on a $200,000 excavator does not turn into a coverage argument.
We coordinate it with your auto, cargo, and liability coverage so equipment is protected whether it is being hauled, operated, or parked.
Common questions
Straight answers on construction equipment.
Related coverage
Coverages that often ride alongside this one.
Ready to review your construction equipment?
Talk to an agent who specializes in trucking. We will review your operation and place coverage with no gaps and no padding.