California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Contractors' equipment insurance, often reviewed with inland marine coverage, can address eligible tools, machinery, equipment, and materials that move between storage locations and job sites. Schedules, values, ownership, storage, and use matter.
Review Commercial Property, Commercial Auto, and request a contractor coverage review.
Contractors' Equipment coverage should be reviewed for owned, leased, rented, or borrowed mobile equipment and tools used away from the primary premises. The schedule, valuation, locations, transit, theft controls, deductibles, and policy exclusions determine what is actually insured.
Prepare the equipment schedule, ownership or lease status, serial numbers or values when requested, storage locations, job-site use, transit, rental agreements, security controls, prior losses, and the requested valuation basis.
General Liability is not a substitute for property or equipment coverage. Theft, damage, transit, rental, and unattended-equipment terms depend on the applicable policy and exclusions.
Do not assume that. Rented, leased, borrowed, and newly acquired equipment may have different conditions, limits, deductibles, and contractual responsibilities that must be disclosed and reviewed.
Official references: California CSLB · CSLB workers' compensation requirements · California DIR employer information · California Department of Insurance consumer resources