HEAVY DUTY INSURANCE FOR HEAVY DUTY EQUIPMENT
From excavating foundations to grading land and transporting materials, heavy equipment powers every stage of your work. But if an accident happens while that equipment is being operated as an auto on public roads, your business could face significant financial liability.
That’s why construction-related businesses across Connecticut, New Jersey, New York, and Pennsylvania turn to Lancer. Our commercial auto insurance for heavy equipment is built tough—just like the machines it protects. Backed by decades of industry experience, we help safeguard your equipment, your crew, and your bottom line—so you can focus on the job at hand, knowing you're covered if the unintended happens.
Whether your specialty is landscaping, road repair, or home improvement, becoming a Lancer mobile equipment insurance policyholder is a smart choice. We offer our insurance for heavy equipment exclusively through independent agents and brokers to ensure you receive local expertise and personalized advice. To get started, complete our brief online mobile equipment insurance questionnaire, ask your broker to contact us, or reach out to our mobile equipment insurance team for a Lancer-approved producer near you.
If you’re an independent agent or broker looking for commercial auto insurance for heavy equipment for your clients, we invite you to get in touch. Contact our mobile equipment insurance team about becoming a Lancer producer.
COMMERCIAL AUTO INSURANCE FOR HEAVY EQUIPMENT
Specialty tradesmen and construction business owners—from excavation contractors to fence installers, residential remodelers to plumbers—rely on Lancer for financial security and peace of mind. Let us do the same for you.
> Learn More
COMMERCIAL AUTO LIABILITY
Commercial auto liability insurance for heavy equipment provides essential protection for your business if you or an employee is at fault in an accident while operating covered machinery on public roadways. Coverage includes:
- Bodily injury (BI) liability – Covers medical and related expenses for injuries to others
- Property damage (PD) liability – Pays for repairs to another person’s vehicle or property
Additional heavy equipment insurance coverages are available, where applicable, including:
- Personal injury protection (PIP) – Helps cover medical expenses and related costs regardless of fault
- Uninsured/underinsured motorist (UM/UIM) – Provides financial protection if you're hit by a driver with no insurance or too little coverage
COMMERCIAL AUTO PHYSICAL DAMAGE
Your mobile equipment is an essential tool of the trade. Physical damage coverage helps protect it with:
- Collision – Pays to repair or replace your heavy machinery after an accident with other vehicles or objects
- Comprehensive – Covers non-collision events like theft, vandalism, fire, and severe weather
BUSINESSES WE INSURE
Operating mobile equipment as an auto on public roads carries real financial risk, making commercial auto insurance essential to minimizing financial losses. Our A (Excellent) rated insurance for heavy equipment protects a broad spectrum of businesses, such as:
> Learn More
- Concrete contractors
- Drainage installation and repair companies
- Foundation repair contractors
- General contractors
- Landscaping businesses
- Road repair operations
- Sprinkler installation and repair companies
- And more!
Don’t see your profession? Give us a call or request a mobile equipment insurance quote online.
MOBILE EQUIPMENT WE INSURE
Whether you need bulldozer insurance, skid steer insurance, or backhoe insurance, you’ve come to the right place. Our commercial auto insurance solutions safeguard many types of mobile equipment, including:
Bulldozers
Compactors
Excavators
Graders
Loaders
Pavers
Trenchers
And more!
POLICYHOLDER BENEFITS
Choosing the right insurance for heavy equipment means more than just solid commercial auto coverage. Your policy should also provide you with valuable resources to help your business thrive.
> Learn More
As a Lancer mobile equipment insurance policyholder, you benefit from a wide range of complimentary tools and services, including:
- Easy-to-use accident and claim reporting aids
- SafetyLink Hotline to help you navigate loss control issues and DOT regulations
- Safety Stop, our blog offering insights to reduce losses and boost compliance efforts
- Round-the-clock access to online driver training videos
- Business Resource Hub to help you safeguard your vehicles and employees, maintain FMCSA compliance, and support daily operations
- Natural Disaster Preparedness materials aimed at mitigating risk and strengthening operational resilience
- Unrivalled loss control services focused on managing risk, minimizing loss costs, enhancing compliance, and keeping business goals on track
AROUND-THE-CLOCK CLAIMS SUPPORT
Accidents can bring construction projects to a halt, but our commercial auto claims team is available 24/7/365. With our toll-free claims hotline, you can speak with experienced adjusters who understand the urgency of getting you and your mobile equipment back to work.
Additionally, our Loss Recovery Program helps you recover out-of-pocket and downtime expenses—even your deductible—when someone else is at fault, at no additional cost to you.
PROTECT YOUR MOBILE EQUIPMENT TODAY
Your heavy equipment represents one of your most important business investments. Protect it, your drivers, and your bottom line with commercial auto insurance from Lancer.
Request a mobile equipment insurance quote today.
MORE CONTRACTOR INSURANCE WE OFFER
CONTRACTOR AUTO INSURANCE
Lancer doesn’t just offer top-notch contractors equipment insurance; we also provide commercial auto coverage for the vehicles you rely on every day—pickups, cargo vans, service body trucks, and more. Contact our contractor insurance team for details.
““Lancer’s risk management team does an extraordinary job of helping my clients implement a program to help them reduce their risk and improve their operations!””
