EXCAVATION INSURANCE GROUP
Is Equipment Covered in Transit Between Job Sites?
Excavation Insurance Group explains how equipment floater coverage applies while machines are being hauled or transported, and where tie-down practices matter.
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Quick answer: Excavation Insurance Group on this: Generally yes, a properly written equipment floater covers scheduled equipment while it’s being transported between jobsites, not just while it’s parked and working. That’s one of the core reasons this coverage exists instead of relying on a fixed-location commercial property policy.
WHAT “IN TRANSIT” ACTUALLY COVERS
Coverage typically applies whether the equipment is being driven under its own power, hauled on a trailer behind a truck, or shipped by a third-party carrier, subject to the terms of the specific policy. This matters because equipment spends a meaningful share of its time moving rather than sitting still, and a policy that only responds at a fixed address leaves that transit time uninsured.
WHERE CONTRACTORS GET TRIPPED UP
The exposure that catches people off guard isn’t usually the coverage itself, it’s tie-down and loading practices. A machine that shifts on a trailer, isn’t properly secured, or is loaded outside a carrier’s stated weight or securement standards can create disputes over whether a loss resulted from an insured cause or from inadequate securement. Confirming your policy’s transit coverage terms, and following basic tie-down and loading standards every time, closes that gap before it becomes a claims argument.
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