RIGGING INSURANCE
including RIGGER'S LIABILITY
At Kelly Insurance Group, we specialize in rigging insurance and rigger’s liability coverage—because lifting, moving, and setting heavy equipment or materials comes with unique risks that a standard policy won’t cover. Whether you’re hoisting HVAC units, structural steel, or even hot tubs, you need protection in case something slips, swings, or is damaged while under your control. That’s exactly what rigger’s liability insurance is designed for.
We know the industries where rigging exposures exist—construction firms, equipment rental companies, crane operators, steel erectors, tree service professionals, and sign installers—and we build coverage that goes beyond generic liability. Our solutions often include on hook coverage (also called on hook liability insurance), protecting the property you’re lifting, not just your operations.
With Kelly Insurance, you don’t just get a policy—you get the confidence that your rigging work is backed by specialized coverage. Have questions like What does riggers liability insurance cover? or How much does on hook insurance cost for tow trucks or crane operators? We’re here to give you clear answers and the right protection.
TYPES of BUSINESS THAT MAY NEED RIGGING INSURANCE
Crane insurance coverage can vary depending on the specific needs of your business. Some common types of coverage include crane liability insurance, crane operator insurance, and crane rental insurance. The cost of crane insurance will depend on factors such as the size of your crane and the amount of coverage you require. Our team at Kelly Insurance Group can help you find affordable crane insurance options that fit your budget.
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Rigger's Liability & On Hook Coverage FAQ
What is Rigger's Liability Insurance?
Rigger's liability insurance protects riggers, crane operators, and contractors from claims arising from property damage or bodily injury during lifting, rigging, or hoisting operations. It covers incidents like dropped loads, equipment failure, or third-party injuries. Often required by contracts and complements general liability.
What is 'On Hook' Coverage?
'On Hook' coverage (also called hook liability or riggers on hook) protects the property being lifted while attached to the crane's hook. It covers damage to the load from drops, collisions, or equipment malfunctions during hoisting. Typical limits range from $50,000 to $5M+, depending on load value.
Who Needs Rigger's Liability and On Hook Coverage?
Contractors involved in rigging, crane operations, hoisting, or lifting — such as in construction, manufacturing, events, or demolition — need this coverage. It's critical for crane rental companies, riggers, heavy equipment movers, and event setup teams. Many contracts mandate proof of insurance.
What Risks Does Rigger's Liability Cover?
Covers property damage or bodily injury caused by rigging failures, such as load drops, sling breaks, or improper securing. Examples include damaged cargo, injured bystanders, or equipment collisions. Also addresses negligence claims from improper setup or operator error.
What Are Common Exclusions in Rigger's Liability Policies?
Typical exclusions include intentional acts, wear and tear on equipment, nuclear hazards, pollution, and war risks. 'On Hook' may exclude overloads or improper rigging. Employee injuries are covered by workers' comp, not rigger's liability. Always review policy details.
How Does On Hook Coverage Differ from General Liability?
General liability covers broad third-party claims, but 'on hook' specifically protects the lifted load while attached to the crane. General liability may not cover high-value loads or hoisting-specific risks.
What Limits Should I Consider for On Hook Coverage?
Limits depend on maximum load value — start at $100,000 for small operations, up to $10M+ for heavy lifts. Deductibles range from $1,000 to $25,000. Work with a broker to match coverage to your job types.
Is Rigger's Liability Required by Law?
Not legally mandated in most states, but often required by contracts, clients, or lenders. OSHA regulations emphasize safety, and lack of coverage can lead to financial ruin from claims.
How Much Does Rigger's Liability Insurance Cost?
Premiums range from $1,500 to $10,000+ annually, depending on revenue, limits, location, and claims history. Factors include equipment value and job risk. Contact Kelly Insurance Group for competitive quotes.
What Additional Coverages Should Riggers Consider?
Consider workers' compensation, commercial auto for transport, inland marine for tools, umbrella for extra limits, and cyber if using digital planning tools. Package policies often save money.
How Does Rigger's Liability Work in a Claim?
If a load drops and causes damage, notify your insurer immediately. They'll investigate, defend lawsuits, and pay valid claims up to limits. Document everything — photos, witness statements — to support your case.
Does On Hook Coverage Include Theft of the Load?
Typically no — add crime or theft endorsements. Standard on hook focuses on damage during lift.
Can Independent Riggers Get Coverage?
Yes, freelancers and independent contractors can get policies. Proof of insurance is key for securing jobs. We specialize in affordable options.
What if My Rigging Equipment Fails?
Equipment breakdown coverage can pair with rigger's liability for mechanical failures. Regular maintenance helps prevent claims.
How Do I Get Rigger's Liability & On Hook Coverage?
Contact Kelly Insurance Group for a free quote. Provide details on operations, equipment, and past claims. We specialize in customized coverage for riggers and crane operators.
WHAT INSURANCE COMPANIES ARE BEST FOR RIGGING
When it comes to Rigging Insurance, not all Insurance Companies are Best
Believe it or not most small business insurance providers are not able to provide rigging insurance, crane insurance, or stage crafter type of liability insurance. Although we write business with many of these insurance companies; such as Travelers, Hartford and Liberty Mutual, they are typically not an option when it comes to businesses within this category of operation.
At Kelly Insurance Group, we are the go-to experts in crane and boom truck insurance, offering tailored coverage for equipment from leading manufacturers like Terex, Altec, National Crane, Tadano, Palfinger, and Stellar Industries. Whether you’re operating an F-550, Freightliner M2, Peterbilt 348, or Kenworth T880 with a telescopic, articulating, or knuckle boom, we’ve got policies built for your business. We insure everything from truck-mounted cranes, bucket trucks, and sign cranes to carry deck, crawler, and rough terrain cranes. Our team understands the value of your Versalift, IMT, or Dur-A-Lift units, as well as the importance of working with trusted body builders like Dakota Bodies, Reading Truck Group, and Knapheide. Whether you’re in tree service, oilfield operations, or custom equipment fabrication, Kelly Insurance Group delivers the protection you need with deep industry knowledge, competitive rates, and fast, reliable service.
Our agency has many resources to help find you the best insurance for your business. Not only can dollar agency provide the best companies available, but we also typically find the best price for your rigging insurance. Remember, it is best to always do your best and try to understand what your insurance quotes or policies truly include. A good and attentive agent will help you go through your policy, line by line if needed. Call us today at (412)325-1650 if you need any help.
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