Skid steers are the most versatile snow machines: pushers for lots, blades for tight areas, blowers for walkways and buckets for stacking. They are also small, valuable and easy to steal, and they usually are not covered by an auto policy at all.
Equipment Coverage
Skid steers are typically insured on a contractors equipment policy, which covers theft, vandalism, fire, collision and overturn. Confirm the valuation basis, replacement cost or actual cash value, and list attachments separately.
Transport
Skid steers travel between sites on trailers. The truck and trailer are auto exposures, and damage to the machine in transit is usually an equipment exposure. Ask your broker to confirm coverage door to door.
Liability While Operating
Damage a skid steer causes to a parked car or a building falls under your general liability, not auto, in most cases. Operator training and site awareness matter.
Theft
Skid steers disappear from job sites and yards every winter. Wheel locks, GPS trackers, secure storage and lighting reduce risk and are questions insurers ask.
Leased Units
Seasonal leases are common. Lease agreements usually require you to insure the machine and name the lessor. Send the lease to your broker.
Skid steers are staples in parking lot work and condo complexes.
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Frequently Asked Questions
Is my skid steer covered by my truck insurance?
Generally no. Off road machines are insured under an equipment policy.
Does equipment insurance cover attachments like pushers and blowers?
Yes, when listed. Schedule each attachment with its value.