The things that stay put, and the things that are somebody else’s line. Buildings and permanent structures belong on commercial property. Licensed vehicles belong on commercial auto, even when they carry the equipment. Wear, gradual deterioration, and mechanical breakdown are excluded as maintenance. Employee dishonesty goes to crime coverage. Beyond that, forms differ on unattended vehicle theft, on property in the open, and on items above a stated value, which usually have to be scheduled individually to be covered at all.
Related FAQs
It can, once a rented or leased equipment limit is added to the floater. Read the rental agreement first. California law makes a hirer liable only for damage caused ...
Higher-value equipment is scheduled by make, model, serial number and value, each with its own limit, and small tools go under a blanket limit with a per-item cap. Scheduling ...
Only within the small extension the property form gives for property in transit or at another location, and that limit is usually far below the value of a truck ...
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