Contractors Equipment Insurance in Vermont

What this policy protects

Coverage that follows your gear

Contractors equipment insurance, also called inland marine, covers movable tools and machinery on jobsites, in transit and at storage yards. From hand tools and lasers to compressors, skid steers and excavators, coverage can extend to owned, rented or leased items. We can include employee-owned tools and borrowed equipment by endorsement when needed. Hull Insurance Agency helps crews across Enosburg Falls, St. Albans, Milton and Newport keep work moving.

Why GL and property are not enough

Close the gap before a loss

General liability addresses injury or damage you cause to others. Commercial property is tied to a listed location. Neither protects your tools stolen from a trailer in Franklin County or a lift damaged during transport to Georgia VT. Inland marine follows the equipment wherever the job takes you and can include theft, vandalism and certain accidental damage.

Vermont jobsite examples

Real situations we see

Stolen saws and nailers from a van overnight near St. Albans.
An excavator damaged loading out after a Milton site.
Rented lift coverage required for a Newport project before you can start.
Hull Insurance Agency sets limits, deductibles and security conditions that fit how your crew works

How we set up your schedule

Coverage options that fit your fleet

Choose scheduled coverage for specific high-value items listed by make and serial number, or blanket coverage for sets of tools with a per-item cap. We can discuss replacement cost versus actual cash value so you know how claims pay. Add rental reimbursement and continuing expenses if a key machine is down. Deductibles and theft-prevention requirements are tailored to your job mix.

Pair it with the right package

 Keep certificates simple

Most contractors place equipment coverage inside a CPP or alongside a contractors BOP for unified billing. If you run active projects, we can add builders risk for structures under construction. Our team coordinates certificates fast so subs and site owners get what they need without delay.

A black and white drawing of two speech bubbles with a question mark in the middle.

Questions Vermont contractors ask

  • Are employee tools covered

    Often yes with an endorsement and sublimits. We clarify who owns what, set per-employee caps and outline any storage or lock requirements. If employees carry their own coverage, we can coordinate terms. Clear inventory helps claims run smoothly.

  • Does it cover tools stored in my truck

    Yes, inland marine typically follows tools in vehicles, trailers and on site. We confirm limits, territory and overnight security conditions so there are no surprises. Camera, lock and yard lighting upgrades can also lower risk. Ask us about credits tied to security steps.

  • Do I need serial numbers

    Serials help schedule high-value items and speed up claims. For blankets, we still recommend an inventory with photos and receipts. We can share a simple spreadsheet template to get you started. Updates at renewal keep coverage aligned with your fleet.

  • What about rented or leased equipment

    You can add rented and leased items with daily or annual options. We align limits with rental contracts so you avoid pricey waiver fees. If you move gear across county lines, we verify territory wording. Certificates can reference rental houses by name.

  • Will this cover tools at a storage unit

     Yes, subject to policy limits and security terms. Let us know where gear lives after hours in St. Albans, Enosburg or Morrisville. We can adjust deductibles and conditions for fenced yards or shared storage. The goal is to keep you working after a loss.