Equipment in transit, on the premises, or at the job site is typically covered by which policy?

The Equipment Floater Policy is designed specifically to cover construction equipment and other mobile equipment while it is in transit, on-site, or at temporary locations. This type of insurance provides protection against risks such as theft, damage, or loss during transportation or while the equipment is used at various job sites.

In contrast, a General Liability Policy primarily covers bodily injury and property damage claims arising from operations, which do not encompass the specific risks associated with equipment. All Risk Building Insurance typically covers buildings and structures against various risks but does not extend the same level of protection to equipment that is in motion or temporarily located away from a fixed location. Thus, for protecting equipment that is not permanently affixed and is used in various locations, the Equipment Floater Policy is the most applicable solution.