Working as a contractor involves handling everything from customer service to staying updated on codes and regulations. To best serve customers, you may need to haul equipment and supplies to a job site. If you have permanently attached equipment to your work vehicle, then it is important to know that your insurance plan covers everything.

Types of Equipment

Most policies do not differentiate between equipment that you add on after purchase and equipment that came with the vehicle. Depending on the automobile insurance policy and the state, coverage is typically extended for certain types of equipment, including:

  • Generators
  • Air compressors
  • Well servicing equipment
  • Pumps
  • Lighting

Coverage Options

Each state has its own insurance regulations. However, coverage for attached equipment is usually provided under either a commercial automobile policy or a mobile equipment plan.

In some cases, there may be some overlap between the items covered. If that happens, it is important to evaluate each piece of equipment and the insurance plans carefully, as failing to properly insure your equipment can result in costly repairs or replacements in the case of an accident.

When adding or replacing attached equipment to your vehicles, it is a good idea to contact your insurance company to update your policy and ensure adequate protection is in place.