Crane at construction job site

Contractor’s equipment  

For the equipment you rely on

A contractor’s reputation comes down to reliability and high-quality results, with no room for delays. Those high-quality results call for the right equipment – from pavers to cranes, rented or owned – as well as a plan in place to keep construction projects on track if equipment is lost or damaged.

Our contractor’s equipment solutions provide essential protection for equipment-related delays or stoppage, helping to cover losses related to repair or replacement of crucial construction tools and machinery.



A protective partnership

Solutions for complex risks

Your equipment and essential tools of the trade are the cornerstone of your business. Our Premier Protector — Contractor’s Equipment™ solution offers broad protection and helps simplify your insurance program.

We offer options for:

  • Replacement cost or actual cash value
  • Coverage for equipment you have leased, loaned, or rented or for equipment you have leased, borrowed, or rented from others
  • Coverage for off-road vehicles, unmanned aircraft, barges, and more
  • Deductible options by specific equipment or cause of loss

With our flexible policy, you can feel confident that tools, machinery, and more are covered, including:

  • Expendable supplies
  • Employee tools and work clothing
  • Continuing lease and rental charges
  • Loss of rental or lease income

It’s tailored protection that minimizes confusion and helps contractors keep their work and projects on track.


Expertise that delivers

When you work with us, you’ll benefit from dedicated teams of professionals that know the construction industry. Our inland marine underwriters, located across the country, understand contractors’ needs and will work with you to offer effective, tailored coverage.

You’ll also gain from the expertise of property risk engineers who can identify exposures, quantify costs, and recommend practical solutions for your business.

We combine this expertise with a customer-centric service approach that keeps your risk-management goals at the forefront and helps lower your total cost of risk.


Better control over claims

Lost or damaged equipment can result in costly delays – something no business can afford. Our property claims management approach focuses on mitigating loss and reducing downtime so your business can get the job done.

Our people are at the core of our success and we empower them to make decisions and do their best for our customers every day.  You’ll work with dedicated in-house property claims specialists with deep industry experience who receive extensive hands-on training on coverages, damages, and loss mitigation.

If you experience a loss, count on us for a streamlined experience that minimizes business interruption.

Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.