General liability insurance for crane truck operations plays a vital role in protecting businesses from significant financial loss. This coverage helps shield the company from claims involving bodily injury, property damage, and personal injury that may occur during day-to-day operations. For example, if a crane operator accidentally damages a nearby structure while maneuvering equipment, general liability can help cover the costs of the third-party property damage and any resulting legal expenses. Without this protection, the business could face devastating lawsuits or out-of-pocket settlements that threaten its financial stability.

However, general liability does not cover damage to the actual item being lifted by the crane—that’s where rigger’s liability comes in. Rigger’s liability is a specialized endorsement or separate policy that covers the value of the object being hoisted, whether it’s a large HVAC unit, a steel beam, or a piece of high-value machinery. If a hoisted item falls or is damaged due to an error in rigging or crane operation, rigger’s liability covers the cost to repair or replace the item. Without this, a business could be forced to pay out of pocket for damages that general liability wouldn’t touch. Together, these coverages form a critical defense against the high risks of crane operations.

If you need coverage asap, we suggest completing this questionnaire and emailing it over to jonathan@kelins.com. 

Riggers liability insurance is essential coverage for crane operators, rigging contractors, and any business involved in lifting or moving third-party property. This highly specialized protection—often referred to as a riggers liability coverage form or riggers liability endorsement—is designed to cover damage to the object being hoisted, such as HVAC units, industrial machinery, or structural components. If a crane drops, shifts, or mishandles the load and causes damage, rigger’s liability steps in to cover repair or replacement costs. Without this protection, even a single incident could result in a devastating claim that threatens the financial stability of your business.

Many business owners assume general liability is sufficient, but it’s not. General liability insurance covers third-party property damage and bodily injury arising from operational hazards—like a crane striking a nearby building. However, it does not cover the item being lifted. That’s where rigger’s liability fills a crucial gap. The riggers liability insurance definition clearly distinguishes this coverage as protection for client-owned property while in your care, custody, or control during a lift. In fact, many commercial contracts now require a completed riggers liability insurance application before allowing a business to operate on site.

For full protection, businesses in the crane and rigging industries should work with an experienced insurance provider to ensure that both riggers liability coverage and general liability are included in their risk management program. Whether added via a riggers liability endorsement or a standalone policy, this coverage is a must-have for any operation involved in high-value lifts. Don’t let a gap in coverage put your crane operation at risk—rigger’s liability could be the most important line of defense your business has.

If you need coverage asap, we suggest completing this questionnaire and emailing it over to jonathan@kelins.com. 

Commercial auto liability insurance for crane trucks is a foundational layer of protection for businesses operating in construction, rigging, and heavy equipment industries. This type of coverage helps protect against claims arising from accidents involving your crane truck on public roads—such as bodily injury, property damage, and legal expenses resulting from collisions or traffic-related incidents. Whether your crane truck is driving between job sites or transporting heavy equipment, commercial auto liability insurance ensures your business remains protected from financial losses due to at-fault accidents. For crane operators, this coverage is not optional—it’s a legal requirement and a critical risk management tool.

However, most crane trucks are more than just vehicles—they are specialized pieces of equipment with booms, outriggers, and lifting mechanisms that represent a significant investment. That’s where coverage for permanently attached equipment becomes essential. Many commercial auto policies for crane trucks must be specifically endorsed to cover the permanently mounted crane apparatus itself. Without this endorsement, the boom or lift mechanism may not be covered in the event of damage during transit or an accident. Whether you’re operating a boom truck, truck-mounted crane, or telescopic hydraulic crane, it’s crucial to make sure your commercial auto insurance policy includes proper protection for these specialized attachments.

For complete protection, crane operators should combine commercial auto liability, permanently attached equipment coverage, general liability, and rigger’s liability insurance into a tailored insurance program. This multi-layered approach helps crane businesses reduce exposure, meet jobsite requirements, and avoid financial ruin in the event of accidents, equipment damage, or third-party claims. Don’t leave your crane truck underinsured—make sure your crane truck commercial auto insurance is designed to handle the risks that come with heavy lifting.

If you need coverage asap, we suggest completing this questionnaire and emailing it over to jonathan@kelins.com. 

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