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, depending on the policy and your contract. We recommend you review your rental agreements with us.
It depends on the policy. Higher-value or specialized items are often scheduled individually. We can review the right approach with you.
Often only in limited ways or not at all once property leaves your premises. Inland marine is designed to follow property that moves.
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