Tools and mobile equipment
Identify owned, leased, rented, and borrowed equipment, where it is stored, how it is secured, and how values are established.
Cargo and Inland Marine Insurance for California Contractors
Contractors rarely keep all business property in one building. Tools, machinery, materials, rented equipment, and customer property may be stored, loaded, transported, installed, or used at multiple locations. Inland marine and cargo reviews focus on that movement and custody rather than assuming a commercial-property or auto policy answers every exposure.
Request a Contractor Coverage ReviewWho should review this coverage?
This authority is for contractors with mobile equipment, scheduled tools, materials in transit, rented or leased equipment, installation work, temporary storage, or property belonging to customers or other parties. The correct form depends on ownership, custody, transportation, valuation, and the operation.
California contractor exposures to discuss
Materials in transit or temporary storage
Materials may move between suppliers, yards, vehicles, and jobsites. Transit, storage, installation, and site-security terms should be reviewed together.
Customer property and installation
Property in a contractor's care, custody, or control can require careful treatment, especially during installation, alteration, testing, or temporary storage.
Valuation and scheduling
Serial numbers, replacement values, current schedules, deductibles, and reporting methods help the carrier understand the exposure. Policy terms control payment after a covered loss.
What to prepare for an underwriting review
A strong equipment or cargo review lists property, ownership, values, storage, transit, jobsite use, security, and prior losses. Coordinate the discussion with commercial auto, builder's risk, commercial property, and general liability rather than treating them as interchangeable.
- Equipment and tool schedule with ownership and values
- Typical transit, storage, and jobsite locations
- Customer property and installation responsibilities
- Security controls, trailers, yards, and overnight storage
- Rental, lease, subcontractor, and supplier arrangements
Contractor Insurance by California City
Explore localized contractor insurance guidance for major California markets. Each city hub explains local project context, CSLB and workers compensation considerations, coverage questions, and information to prepare for a broker review.
Coverage availability, pricing, limits, effective dates, and binding are subject to complete information, policy terms, carrier eligibility, and underwriting. This page is general information, not a coverage promise or legal advice.
Frequently asked questions
Connect this review to your contractor program
Coverage should be reviewed alongside the contractor's trade, employees, vehicles, projects, contracts, tools, and existing policies. Terms, eligibility, pricing, and effective dates depend on the actual business and underwriting.
Start a Coverage ReviewContractor Insurance by California City
Explore localized contractor insurance guidance for major California markets. Each city hub explains local project context, CSLB and workers compensation considerations, coverage questions, and information to prepare for a broker review.