---
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://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# 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.

## Related Questions

- [Does Builders Risk Cover Rented Equipment?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment)
- [Does Builders Risk Cover Scaffolding?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding)
- [Does Builders Risk Cover Temporary Structures?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-temporary-structures)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

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.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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