Bird Insurance Services Florida's Contractor's Equipment Insurance Company

Contractor equipment is not only expensive but essential for daily operations. From heavy equipment like bulldozers to smaller power tools, protecting these assets with Contractor's Equipment Insurance could mean the difference in keeping your business running or shutting down production.  

What Is Contractor's Equipment Insurance?

While most Commercial Property policies cover a business's personal property, they exclude property that moves from job site to job site. This can leave you open to significant loss if your contracting equipment gets damaged or goes missing. Additionally, your mobile equipment, such as forklifts, cranes, diggers, etc., are typically excluded from your Commercial Auto policy. 

A Contractor's Equipment Insurance policy covers the direct physical damage or loss of mobile machinery and equipment. Providing the necessary protection against perils such as fire, flood, theft, and vandalism, these policies also cover equipment when in transit from location to location. Often, Contractor's Equipment policies also include equipment that is not only owned but rented, leased, or borrowed. 

Contractor's Equipment
Contractors Equipment

Special Limits Or Restrictions For Contractor’s Equipment Insurance In Florida

Coverage can be purchased for a wide array of equipment types and scenarios: 

  • Proper Limits Scheduled for Each Piece of Equipment 
  • Actual Cash Value or Replacement Cost Coverage 
  • Coverage for Equipment You Lease to Others 
  • Coverage for Equipment You Lease or Rent from Others 
  • Rental Expenses Coverage When Damaged Equipment Is No Longer Usable 
  • Income Loss 

Your Next Steps Towards Protecting Your Business

Businesses from Ocala, FL, and the surrounding areas have specific insurance needs depending on their operation and the assets they need to protect. Contractor's Equipment Insurance can be written to those specifications to ensure your business is properly covered.

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