Contractors Equipment Coverage

Contractors Equipment Coverage for Central Virginia Businesses

If your business depends on tools, machinery, or mobile equipment, a standard property policy probably won’t cover it all. Contractors equipment coverage is designed to protect the gear you use every day — whether it’s on a job site, in transit, or stored at your shop.

What It Covers

This type of policy typically helps cover:


  • Theft or vandalism of tools or machinery
  • Damage from fire, wind, or accidents
  • Loss during transport to or from job sites
  • Temporary rental equipment in your care
  • Trailers and attachments used in your operations



It’s flexible coverage built around the equipment that keeps your work moving.

Commonly Covered Items

Every policy is tailored, but many businesses insure:


  • Hand tools & power tools
  • Job trailers & toolboxes
  • Skid steers, forklifts & small loaders
  • Generators, compressors & welding rigs
  • Attachments & accessories for heavy equipment



Even if you don’t see your gear listed, we can help determine if it’s eligible for coverage.

Why It Matters

When a key piece of equipment is stolen or damaged, it can bring your business to a halt. This coverage helps you recover faster — without dipping into cash flow or delaying jobs.



It also helps you meet job site or vendor requirements if proof of equipment insurance is requested.

Get the Right Coverage, Not Just the Minimum

We’ll help you:

  • List equipment with proper values
  • Decide whether to schedule specific items or go with a blanket policy
  • Understand coverage limits & deductibles
  • Add temporary or rented equipment when needed

Related Coverage

Contractors equipment insurance is often paired with:

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General liability

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Workers’ comp

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Commercial property

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Commercial auto

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Inland marine coverage (for very specialized equipment)

We’ll help you figure out the best setup for your operation.

Let’s Talk About Equipment Coverage

Tell us what you use on the job, and we’ll help you make sure it’s covered — with options that make sense for your business.