Contractors' equipment are not fully covered by auto insurance policies as work related liability claims are excluded. They're also not always covered by the contractors all risk insurance policies and the commercial property policies are limited in the physical damage coverage they provide for contractors equipment.
These equipments are often times self-propelled equipments such as, tractors, graders, backhoes, loaders, cranes, rollers and scrapers. However, coverage can also be obtained for smaller equipments.
All self-propelled equipments that occassionally use the public road must still comply with the local Motor Vehicle Liability Insurance Act (L.A.M.) Fortunately, the UNITED Contractors Equipment policy offers extensive coverage options as described below.
You can choose from the following types of coverage:
Third Party Liability
Work related liability cover
Work related liability cover including liability cover for public road incidents (L.A.M.).
Physical Damage
Accidental damage to the equipment (comprehensive and collision damage)
