General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
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Commercial Lines
Inland Marine / Heavy Machinery Inland Marine
Coverage for equipment, tools, and machinery in transit, on job sites, or away from premises.
A building policy protects things that stay in the building. Inland marine protects tools, machinery, and equipment that move — on a truck, at a job site, or sitting in a yard.
How it works
The name is old. The idea is simple. If a $40,000 lift, a set of specialty tools, or a piece of heavy equipment leaves the shop, a standard property policy may cover little or none of it. Contractors equipment and inland marine forms can schedule specific machines or blanket a class of tools. We look at where the equipment lives overnight, how it is transported, and whether leased or borrowed machines should be included. This is one of the most common gaps we find in contractor and logistics accounts.
Who this is for
- Contractors with tools and machines on job sites
- Companies that haul or store equipment away from headquarters
- Owners of heavy machinery, lifts, or specialized gear
- Businesses that rent equipment in or out
What it typically covers
- Scheduled or blanket tools and machinery
- Equipment in transit
- Items at job sites or temporary locations
- Certain leased or borrowed equipment, when arranged
A simple example
A trailer with a compact excavator is stolen from a job site over a weekend. If that machine was only listed on the building policy at the shop address, the claim can fail. Scheduled equipment coverage is what is built for that loss.
Good to know
- Unscheduled miscellaneous tools often have a small sublimit. Expensive machines should be scheduled.
- This does not replace commercial auto for the truck that tows the equipment.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before renewing commercial liability
Limits, additional insureds, class codes, and the claims that actually blow through a $1 million GL policy.
Read guide