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  • Contractors Equipment

Inland Marine Contractors' Equipment Insurance

Equipment loss can stop construction in its tracks. Distinct risks can threaten contractors' equipment, from weather, theft and transit, to accidents caused by less experienced machine operators.

Did you know:

  • Construction companies lose anywhere from $300 million to one billion dollars per year to heavy equipment theft.1
  • Over 95% of nonfatal ‘struck-by’ injuries in construction are caused by equipment and flying or falling objects.2
  • A record number of billion-dollar weather and climate events occurred in 2020.3

Whether your equipment is used on job sites, such as an infrastructure project or stadium construction, or stored during non-use, Travelers inland marine contractors’ equipment insurance can make a difference for your owned, leased or borrowed equipment.

Contractors' Equipment Insurance Coverage

Travelers is the leading inland marine contractors' equipment insurer. We strive to meet your needs with: 

  • Broad protection that is flexible enough to meet your equipment needs.
  • Local account executives who understand your projects and the associated equipment coverage options.
  • Limits and capacity to handle your largest and most complex heavy equipment schedules.
  • Only a 24-hour waiting period after a loss for rental of replacement equipment.

Who Is Contractors' Equipment Insurance Right For?

  • Specialty trades
  • General contractors

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Does Contractors' Equipment Insurance Cover Rented or Borrowed Equipment?

Inland marine contractors' equipment insurance typically covers tools and equipment that a contractor uses to complete a project. It provides broad coverage for tools, clothing and heavy equipment in the contractors' possession at the time of the policy effective date. This insurance also covers tools and equipment purchased, rented, leased or borrowed after the policy's effective date for a period of time.

Does Contractors' Equipment Insurance Cover Theft?

Inland marine contractors' equipment insurance provides very broad coverage against loss. Coverage can include theft, vandalism and damage caused by fire, accidents, natural disasters like floods or lightning, and more. Your policy will clearly specify any risks or any type of equipment that is not covered.

One of the biggest risks that contractors face is theft of their tools and equipment. Inland marine contractors' equipment insurance is designed to protect against that risk. If covered tools or equipment are stolen, a claim representative will walk you through the process of filing a claim and getting you reimbursed.

Related Products & Solutions

Installation

Our broad policy provides protection for direct physical loss or damage to materials, as well as supplies and labor costs, for property being installed at job sites.

Builders' Risk

Our enhanced Builders’ Risk product goes beyond the basics with a broad coverage form designed specifically for the diversity of construction projects that come your way.

Equipment Breakdown Coverage

Travelers offers a broad package of specific coverages for nearly every equipment loss scenario.

Construction

Our construction insurance products and services are designed to meet contractors’ unique and challenging exposures.

Insights & Expertise

Contractors Equipment

Contractor's Equipment: Rent, Buy, Borrow or Refurbish?

The choice can have a long-lasting impact on your business. Here's a look at the benefits and risks to these options for filling your equipment needs.

Contractors Equipment Risks

We Know the Risks Facing Contractors' Equipment

If a contractor's equipment is damaged or stolen, construction can grind to a halt, threatening timelines and the bottom line. Know the risks to stay ahead.

Why Create a Business Continuity Plan?

Why Create a Business Continuity Plan?

Developing a plan in advance can help businesses weather unexpected emergencies.

Disaster Planning Guide

Disaster Planning Guide

The best time to think about a natural disaster is when there is not one in sight. Learn how we can help you prepare should an unexpected natural disaster strike.

Related Services

Inland Marine Network

Travelers Inland Marine Network is our patented loss mitigation process that provides a competitive advantage for our customers. Our dedicated specialists in risk mitigation, Claim and special investigations identify and minimize risk to help keep your operations running smoothly. Our risk mitigation specialists can work with you before and throughout even your most highly engineered projects.

Risk Control

We have one of the largest Risk Control departments in the industry, and our scale allows us to apply the right resource at the right time to meet customer needs.

Special Investigations Group

Our skillfully trained investigators help deliver optimal claim outcomes for our customers by actively pursuing avenues of recovery 24 hours a day, 365 days a year for all cargo and other specialty losses.

Claim

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

Sources
1 http://www.ner.net/wp-content/uploads/2017/10/Annual-Theft-Report-2016.pdf
2 https://blogs.cdc.gov/niosh-science-blog/2020/10/01/struck-by-injuries
3 https://www.ncdc.noaa.gov/billions/

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The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
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