Insuring expensive business tools, commercial machinery, or mobile job-site equipment requires purchasing an equipment floater or inland marine insurance endorsement added to your commercial property policy, or a standalone contractor's equipment policy. This specialized coverage protects valuable gear against physical loss, theft, fire, vandalism, and transit damage both while operating on active job sites and while being transported in work vehicles. Policies can be structured based on scheduled itemized lists or blanket overall asset values.
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