Property insurance covers the building. This covers the things that leave it.

Tools and equipment stolen off a site or out of a trailer are simply gone. Property insurance stops at the building line.

Mowers, trimmers, blowers and the trailer they live on are stolen off job sites constantly, and a commercial property policy stops at the yard gate.

Climbing gear, saws, chippers and stump grinders are high-value, mobile and excluded by property coverage once they leave the yard.

Plows, spreaders and blades are seasonal equipment worth stealing and expensive to replace mid-storm.

Tanks, pumps and application equipment are mobile and excluded by property coverage away from the yard.

Trenchers, boring equipment and controllers are high-value and live on a trailer.

Trailers, chains, straps and equipment disappear and replacement comes out of cash flow.

Machines, pressure washers and equipment stolen from vans are a total loss.

Rented camera, lighting and grip packages are your responsibility from the moment you sign for them.

Drills, locators and tooling are high-value, mobile, and excluded by property policies once they leave the yard.

Freight sitting in your facility between legs is property in your care, custody and control, which general liability excludes outright. Warehouse legal liability is written here.

Assessment kits, sensory equipment and loan stock travel with the therapist and leave the building.

Glass in transit and on a rack breaks, and property coverage stops at the yard.

Nail guns, saws, compressors and staging are stolen from sites constantly.

Plate compactors, saws, skid steers and trailers are high-value and live on job sites.

The rig is the business. Attached and non-attached equipment on the trailer are scheduled differently, and getting that wrong is only discovered when the trailer is gone.

Tools, diagnostic equipment and the fit-out of a service truck are worth more than the truck.

Compressors, nail guns, kettles, lifts and staging are stolen off sites constantly and property coverage stops at the yard.

Test equipment, benders and reels walk off sites, and property coverage stops at the shop door.

Cameras, jetters, locators and press tools are portable, expensive and stolen off sites regularly.

Recovery machines, vacuum pumps, gauges and torches are portable and are stolen as a set.

Sprayers, compressors, lifts and staging are portable and are the first things taken off an unattended site.

Forms, screeds, power trowels and laser levels live on sites and are stolen from them.

The crane itself is usually the largest single asset the business owns, and it moves between sites on public roads.

Excavators, skid steers and attachments are the single largest asset on the books, and they sit unattended on sites overnight.

Lifts, stilts, sanders and laser levels are portable and go missing from open sites.

Mixers, saws, scaffold and lifting gear sit on sites overnight and are stolen in sets.

Sanders, saws, grinders and moisture meters travel between sites and disappear from them.

Machines, positioners and mobile rigs are high-value, portable, and stolen off trucks and sites.

Tools are the working capital of the business and they live in a vehicle overnight.

Truss, motors, decks, roofs and points are high value, constantly on the road and stored in venues you do not control.

Microphones, instruments and mobile rigs travel to sessions and leave the building the property policy stops at.

Your own kit — camera, tools, instruments, computers — travels to every engagement and is not covered by the production’s policy.

Stages, barriers, production gear and temporary infrastructure are hired in and your responsibility while they are on site.

Instruments and backline are the working capital of a tour and they sleep in a vehicle every night.

Hired production, staging and sound are your responsibility from load-in to strike.

Rental inventory is mobile by definition, so the floater has to follow it out on rent, in transit, at the venue and back in storage.

Your own tools and gear travel to every job and live in vehicles between them.

Hired camera, lighting and grip are your responsibility from collection to return.

Cameras, lenses, lighting, audio, gimbals and laptops travel to every shoot and are not covered by a property policy once they leave your address.

Cameras, lenses, lights, audio and the drone travel to every shoot and are covered by nothing once they leave your address.

Cameras, lenses, audio and the drone travel to every pasture and are covered by neither the farm policy nor a homeowners policy once they are working.

Cameras, microphones and the laptop travel to every meeting, and a homeowners policy caps business property at a small amount.

Polishers, extractors, pressure washers, the water tank, the generator and the film plotter, covered wherever they are.

Diagnostic software and laptops, heavy jacks, and technician-owned tools, which are often worth more than the shop’s own.

A business property policy covers contents at the listed address, which is the one place the gear is not.

A business property policy covers gear at your address, which is where a videographer’s gear never is.

Microphones, cameras, interfaces and laptops go to remote recordings and live shows, which is where the studio policy stops.

Rented equipment, a marquee, hired furniture and anything in your care on the day.

Stock, stall, equipment and a vehicle full of both, all of it away from any premises.

Staging, AV, freight and exhibitor material in transit and on the floor.

Timing systems, barriers, staging and hire equipment on an open course.

Transporters, race equipment and everything that moves between meetings.

Harnesses, trolleys, helmets and rescue equipment, inspected and replaced on a schedule.

Property policies cover what you own; a customer’s $40,000 die is not that.

Fabricated steel stolen from a site is your loss until handover.

Property policies cover what you own, and the stock on your racks is not yours.

A shipment excursion is a total loss of the shipment and the study data with it.

A temperature excursion writes off a batch worth more than the shipment.

A business property policy covers gear at your address, which is where it never is.

The fit-out is often worth more than the vehicle it sits in.

Your kit spends its working life away from your premises.

Hire agreements make you responsible for full replacement value.

The van is the workshop and vans get broken into.

Property policies cover what you own, and the clothes are not yours.

A fire destroys hundreds of customers’ wardrobes at once, and none of them are your property.

A single combine can be worth more than the buildings around it.

Everything you own travels in a vehicle.

The boats are the value on site and none of them are yours.

A fly-away or a hard landing writes off the equipment.

Property policies cover your address, and your stock is elsewhere.

The whole asset base leaves the building several times a week.

A property policy covers what you own, and a lender’s agreement makes their piece your liability.

A commercial property policy usually treats a collection as contents at cost, or excludes it, and a lender will not accept that wording.

Urban sites lose tools and materials constantly, and property policies do not follow them there.

Competitively priced on the classes they want.

Rented camera and grip packages are your responsibility from collection to return.