Isn’t my general liability policy enough for crane work?

General liability is the base of the program, but by itself it usually leaves holes for a crane or rigging outfit. It is built to cover injury to other people and damage to other people’s property that comes out of your work. The trouble is that most GL policies exclude property in your care, custody or control, and the load on your hook is the very definition of that.

GL also does not cover your own crane. If your machine tips over or gets damaged, that falls under equipment or physical damage coverage, often written on an inland marine form. And it does not cover your people getting hurt, which is workers comp.

So a solid crane program usually stacks a few pieces together: general liability, riggers liability, physical damage on the equipment, commercial auto for anything that rolls on the road, workers comp, and an umbrella over the top. We look at what you actually do every day and make sure the pieces fit together without gaps or double coverage you are paying for twice.

Got a question about your own setup? Call us at 205-221-5466 or use our quote form.