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  Coverage Definitions    

  Note: This is a general summary of coverages and it is not intended to give complete policy information.  All coverages and exclusions are found in the policies.  
  Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details, exclusions, limits or other provisions of any insurance policy.  

What types of equipment can be covered?

1. Owned Equpment

2. Office Contents
3. Rented Equipment

4. Miscellaneous unscheduled equipment. Limited to $500 Max per item and $10,000 max per Policy.


5. Additional Coverages

     i)  newly purchased items reported within 45 days of purchase, up to lesser of $250,000 or 25% of scheduled limit. 

    ii)  Debris Removal -the lesser of $100,000 or 10% of the scheduled limit

    iii)  Employee's Tools - $5,000 any one loss for all employees, subject to a max of $500 per employee

    iv)  Expendable Supplies (fuel, oil, grease, etc.) - $1,000

Covered Causes of Loss
Coverage is provided for damage, destruction or loss resulting from covered losses that include but are not limited to: fire, theft, vandalism, breakage and water damage. If equipment is newer than 5 years, coverage is provided for the cost to repair or replace equipment with new equipment. If equipment is older than 5 years, it will be covered at Actual Cash Value.
Coverage Territory
The coverage territory is The United States of America, The District of Columbia, Puerto Rico and Canada.
Major Exclusions
1. Wear and tear, electrical surge, mechanical breakdown, confiscation by government, dishonest acts, intentional damage, damage while being repaired, and mysterious disappearance.
2. Plans, blueprints, specifications, designs, records, or any similar property

3. This policy excludes coverage entirely for:

    - Sub-renting equipment that you have rented, leasing or loaning others.

    - Property while waterborne - Aircraft, watercraft, automobiles, trucks, trailers, semi-trailers, motorcycles, motor

      scooters, or any other vehicles designated primarily for highway use.

    - Any Crane equipment or logging equipment - Any equipment principally used underground


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