Scheduled vs. blanket
High-value machines get a schedule: make, model, serial, value. Small tools can sit on a blanket with a per-item cap. Unscheduled $8,000 saws disappear from claims when the cap is $2,500.
Where the theft happens
Trucks, unlocked trailers, overnight on a lot. Some forms need locked vehicle warranties. Some exclude mysterious disappearance. We pick the form that matches how the crew actually leaves at 6 p.m.
Leased and borrowed
Rental companies want to be loss payee. Hired equipment can be an endorsement. Using a friend’s lift with no paperwork is a donation.
Quote it with the GL
Tool list, jobs radius, whether you leave equipment overnight. Start a commercial or business quote. Certificates for GCs still sit on GL. The floater is how you open Monday with tools.
Questions we get
Next
If this sounds like your house, get a number.
Same desk that wrote the guide. Auto and home quote online. Other lines, an advisor.
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