Covers what a building can’t see
Equipment on a truck, at a job site or between locations isn’t attached to one address, so a property form excludes it by design.
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Contractors equipment, tools, installation floaters and cargo in transit — anything that moves is exactly what a building policy is written to exclude.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Inland marine is the property line for anything that moves, which a building policy is written to exclude. It is written blanket, one limit across a class of unnamed property such as small tools, or scheduled item by item, and it does not cover mechanical breakdown. Cennairus places it for contractors, tradespeople and equipment rental companies.
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Equipment on a truck, at a job site or between locations isn’t attached to one address, so a property form excludes it by design.
Loading, the drive and the unloading — most inland marine losses happen exactly when property sits between two fixed points.
Blanket limits for the everyday tools that walk off first; scheduled limits for the one machine that would actually hurt to lose.
Materials are covered from the moment they leave the yard until the customer signs off on the finished work.
Equipment lists arrive as spreadsheets and dec pages.
Quoted alongside the GL and the comp so the contractor is covered end to end.
Small-tools blankets for the pickup truck, scheduled limits for the machine that matters.
Who buys it: general contractors and specialty trades with equipment moving between job sites; artisans and tradespeople insuring the tools of the trade; equipment rental and leasing companies; riggers, movers and companies transporting goods for others; manufacturers and distributors with property in transit to customers; any contractor working under an installation or fabrication contract.
A generator, a trailer and the tools in the truck bed — none of it sits inside four walls, and none of it is covered until someone schedules it.
Blanket coverage floats one limit across a class of unnamed property, like small tools under a set value.
No.
Often, yes — most forms extend to equipment the business rents or borrows in the course of its work, at limits set in the schedule.
An equipment list or schedule (make, model, serial number, value), how each item is used and where it travels.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
