California contractor insurance guidance
Contractors' equipment insurance, often discussed with inland marine coverage, can address eligible tools, machinery, equipment, and materials that move between storage locations and job sites. The schedule, values, ownership, security, and use of each item matter.
Request a Coverage Review →Create an equipment schedule with descriptions, serial numbers, purchase dates, replacement values, ownership or financing status, storage locations, and typical job-site use. Accurate schedules help a broker and carrier evaluate the account.
Mobile equipment can face theft, collision, weather, fire, and accidental damage exposures. Coverage depends on the policy form, listed property, deductibles, exclusions, security controls, and territory; no claim outcome is guaranteed.
Equipment coverage should be reviewed alongside commercial property, commercial auto, general liability, builders risk, and equipment breakdown where relevant. A licensed broker can help identify overlapping or missing protections.
Not necessarily. Rented, leased, borrowed, or property-of-others equipment can have distinct requirements and limits. Review the rental agreement and policy terms before relying on coverage.
General liability is generally designed for third-party bodily injury and property damage claims, not the contractor's own stolen tools. A separate equipment or inland marine review may be appropriate.
