Crane & Rigging Insurance Coverage Checklist
The coverages a crane & rigging business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for crane rental and rigging contractors. Priorities reflect typical exposure; confirm against fleet and lifts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (No Crane Exclusion) | Covers injuries and damage from lifts — confirm cranes aren't excluded. | Core | |
| Riggers Liability | Covers damage to the property being lifted — general liability excludes it. | Core | |
| Inland Marine (Crane Equipment) | Covers cranes and rigging gear, including upset and overturn. | Core | |
| Commercial Auto | Covers cranes and trucks on the road. | Core | |
| Umbrella / Excess Liability | Adds limits for collapses — a 2019 collapse led to an $860M+ verdict. | Prevalent | |
| Workers' Compensation | Covers operators, riggers, and signalpersons. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is the load itself. General liability excludes damage to property in the contractor's care — including the equipment or structure being lifted — so a dropped load can go uncovered without riggers liability. Crane contractors should carry riggers liability sized to their largest lifts and high umbrella limits.
Send us the checklist and we'll review your crane & rigging coverage line by line, then market it across multiple carriers that compete for your account.
Related: Crane & Rigging Insurance · Crane & Rigging Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a crane & rigging business need?
The core coverages for a crane & rigging business are General Liability (No Crane Exclusion), Riggers Liability, Inland Marine (Crane Equipment), Commercial Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my crane & rigging coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.