Contractors Equipment, from hand tools to skid steers.

Frequently Asked Questions

• What types of equipment are covered under contractors equipment insurance?
  This inland marine form covers movable contractor property — heavy machinery, power tools, scaffolding, generators, pumps, and trade-specific equipment used on job sites or in transit between them.
• Does contractors equipment insurance cover leased or rented equipment?
  Coverage for leased or rented equipment varies by policy. Some carriers include it automatically; others require endorsements or certificates of insurance. We confirm the lease language and schedule coverage accordingly.
• What is the difference between scheduled and blanket equipment coverage?
  Scheduled coverage lists each item with specific limits, ideal for high-value or unique equipment. Blanket coverage provides a single aggregate limit for all eligible equipment, useful for large or fluctuating tool inventories.
• Is theft of equipment covered in Florida?
  Theft is included, but conditions apply — especially for equipment left unattended in vehicles or unsecured sites. Many policies require locked storage, alarms, or GPS for full theft coverage.
• What is mysterious disappearance coverage?
  Mysterious disappearance refers to equipment that goes missing without clear evidence of theft. Some policies exclude or sublimit it because cause is difficult to prove — review your form carefully.
• Can contractors equipment insurance cover equipment used outside Florida?
  Yes. Many policies offer worldwide coverage or endorsements that protect equipment used temporarily out of state or internationally. Confirm coverage details with your agent.
• What factors affect the cost of contractors equipment insurance?
  Total values insured, equipment mix (heavy machinery vs hand tools), geographic location and theft territory, security and storage practices, claims history, and chosen deductibles.
• Does this insurance cover equipment while in transit?
  Yes. Inland marine coverage protects equipment while being transported between job sites, storage yards, or vehicles, subject to securement requirements.
• How does rental reimbursement coverage work?
  Rental reimbursement pays for renting replacement equipment if your owned or leased equipment is unusable due to a covered loss, keeping projects on schedule while repairs occur.
• How do I get contractors equipment insurance through Ellie Insurance Group?
  Send us your equipment schedule and storage practices, and our licensed agents in Florida, Texas, North Carolina, South Carolina, Georgia, New Mexico, and Utah will return an Instant Quote tailored to your business.