Contractors’ Equipment & Tools provides insurance for contractor’s equipment including excavators, bulldozers, skidders, forklifts, boom lifts, lawnmowers, backhoes, and metal brake equipment. Tools coverage provides insurance for miscellaneous items valued at less than $2,500 each.

Builders’ Risk Insurance provides coverage for a building in the course of construction. Building materials and supplies which become part of the building adding to provide coverage for incidental expenses that may result from a loss to the building project. These include additional interest on funds borrowed for reconstruction, real estate tax, advertising expenses, and costs resulting from renegotiating leases, architects, engineers, legal, and accounting fees.

Bailees Coverage provides insurance for the business while they have the property of another in their care, custody, and control. Examples of businesses needing this type of coverage include dry-cleaners, laundry services, storage, repair services of jewelry, clocks, or fine arts.