All risk coverage for contractors equipment.

Equipment Categories

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Coverages available through the Contractors Equipment Floater Program include:

• Owned Equipment
• Office Equipment
• Unscheduled Equipment
• Extra Expense

Coverage Definitions

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What types of equipment can be covered?
Covers the Trade Show Exhibitor or Concessionaire for losses due to bodily injury or property damage caused by the insured’s employees or agents.

1. Owned Equipment
2. Office Contents
3. Rented Equipment
4. Miscellaneous unscheduled equipment. Limited to $500 Max per item and $10,000 max per Policy.
5. Additional Coverages

1. newly purchased items reported within 45 days of purchase, up to lesser of $250,000 or 25% of scheduled limit.
2. Debris Removal -the lesser of $100,000 or 10% of the scheduled limit
3. Employee's Tools - $5,000 any one loss for all employees, subject to a max of $500 per employee
4. Expendable Supplies (fuel, oil, grease, etc.) - $1,000

Covered Causes of Loss

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Coverage is provided for damage, destruction or loss resulting from covered losses that include but are not limited to: fire, theft, vandalism, breakage and water damage. If equipment is newer than 5 years, coverage is provided for the cost to repair or replace equipment with new equipment. If equipment is older than 5 years, it will be covered at Actual Cash Value.

Coverage Territory

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The coverage territory is worldwide.

Major Exclusions

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1. Wear and tear, electrical surge, mechanical breakdown, confiscation by government, dishonest acts, intentional damage, damage while being repaired, and mysterious disappearance.
2. Plans, blueprints, specifications, designs, records, or any similar property
3. This policy excludes coverage entirely for:
• Sub-renting equipment that you have rented, leasing or loaning others.
• Property while waterborne - Aircraft, watercraft, automobiles, trucks, trailers, semi-trailers, motorcycles, motor scooters, or any other vehicles designated primarily for highway use.
• Any Crane equipment or logging equipment - Any equipment principally used underground

This Program is currently available for clients located in the following states:

Alabama	Montana
Alaska	Nebraska
Arizona	Nevada
Arkansas	New Hampshire
California	New Jersey
Colorado	New Mexico
Connecticut	New York
Delaware	North Carolina
District of Columbia	North Dakota
Florida	Ohio
Georgia	Oklahoma
Hawaii	Oregon
Idaho	Pennsylvania
Illinois	Rhode Island
Indiana	South Carolina
Iowa	South Dakota
Kansas	Tennessee
Kentucky	Texas
Louisiana	Utah
Maine	Vermont
Maryland	Virginia
Massachusetts	Washington
Michigan	West Virginia
Minnesota	Wisconsin
Mississippi	Wyoming
Missouri