--- title: "Does Builders Risk Cover Contractor Equipment?" description: "Usually not—builders risk covers project property, while contractors typically insure mobile equipment under an equipment floater." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-contractor-equipment" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Contractor Equipment?" within the Builders Risk FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Builders Risk Cover Contractor Equipment? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Builders Risk FAQ](https://thegeneralaverage.com/insurance-faq/builders-risk) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Builders Risk Cover Rented Equipment?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment) — related question - [Does Builders Risk Cover Scaffolding?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding) — related question - [Does Builders Risk Cover Temporary Structures?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-temporary-structures) — related question - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) — related question - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # Does Builders Risk Cover Contractor Equipment? Usually not—builders risk covers project property, while contractors typically insure mobile equipment under an equipment floater. Usually not for a contractor’s mobile equipment. Builders risk focuses on project property, while the NAIC describes a separate equipment floater for movable items such as cranes and drills; check the equipment schedule and rented-property terms. Individual builders risk forms may define equipment used in construction differently. Do not infer that a crane, generator, or excavator is covered because it operates at the site. Check ownership, the policy’s covered-property definition, transit and offsite terms, and any equipment breakdown exclusion. Compare the contractor’s inland marine schedule and rented-equipment obligations with the builders risk declarations. Contractor-owned mobile equipment is commonly insured through a contractor’s equipment floater, which the NAIC describes separately from builders risk property. Ask for the equipment schedule and determine whether it covers the item while working, parked, transported, or stored. For a rented crane or generator, compare the lease’s damage obligation with the policy’s rented-equipment provision and deductible. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Rented Equipment?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment) - [Does Builders Risk Cover Scaffolding?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding) - [Does Builders Risk Cover Temporary Structures?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-temporary-structures) - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) ## Coverage Guides Related to Builders Risk Insurance - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25. 2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25. 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