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If you are a contractor and your equipment is stolen from a job site, you may be covered depending on the specific coverages you have on your policy. While the details of every situation are different, in general, if you have Contractors Equipment coverage as part of your Inland Marine policy and your equipment is specifically scheduled to this coverage, then the theft would be covered*. However, if you only have a Commercial Property Policy and don’t have an Inland Marine policy with Contractors Equipment coverage, your equipment is only covered while it is at the commercial property listed on the policy and it is subject to certain coverage limits.
If you have any questions or would like to discuss your coverage, contact your Independent Insurance Agent.
*Please note: This article provides general information and does not necessarily apply to all claims. Each claim is different and coverage is considered on a case-by-case basis. Actual coverage of a claim may be different.