FAQs

File a police report the same day, then send us the inventory. Serial numbers, purchase receipts, and photographs are what turn a claim into a paid claim, and they ...

Schedule it, and match the policy to the lease. Short-term rentals usually fall under the rented equipment extension. Equipment on a long-term lease or a lease-purchase is different. The ...

Generally yes, and the exception is the one that catches people. A contractors equipment floater is written to follow property that moves, so tools in a truck between sites ...

Usually by extension, and the rental contract asks for more than the policy gives by default. Most contractors equipment forms include a limit for equipment rented, leased, or borrowed, ...

Wear, breakdown, and the tools you cannot prove you owned. Normal wear and tear, rust, and mechanical or electrical breakdown are maintenance rather than sudden loss. Employee theft is ...

They protect different people, which is the part usually missed. A personal auto policy covers the driver and their own vehicle, and it does reach most ordinary business driving. ...

It depends on who owns the vehicle relative to the named insured. Hired and non-owned auto is built for vehicles the business does not own, so an employee’s personal ...

Usually yes, as an endorsement rather than a separate policy. It commonly attaches to a commercial auto policy, and on smaller accounts to a general liability or business owners ...

Yes, because the exposure is created by the errand, not by how often it happens. One trip to the bank or one delivery run is business use, and an ...

Hired and non-owned auto is liability coverage, so it typically responds to injury or damage you cause to others rather than to damage to the rented or employee-owned vehicle ...