Riggers Liability Policy Feature Checklist
What to confirm in a riggers liability policy — what's standard, what's often limited, and what to add if needed — plus the gap most often missed.
Pull out your current riggers liability or inland marine policy and check the box next to each feature you can confirm it includes — anything unchecked is worth a quick conversation with your advisor.
Tick each feature you can confirm your policy includes — anything left unticked is a good question for your next policy review.
| Confirm? | Policy feature | What to confirm | Priority |
|---|---|---|---|
| Riggers Liability (On-Hook) | Covers customers' property damaged while being lifted, rigged, or moved — general liability excludes it. | Standard | |
| Limit Fits Your Biggest Lift | Confirm the limit covers the most valuable item you handle, not an average job. | Standard | |
| All Operations Covered | Confirm lifting, moving, setting, and installation are all covered operations. | Standard | |
| Basis: Direct vs. Legal Liability | Legal liability pays only if you are at fault — many contracts require direct coverage. | Often limited | |
| Disassembly & Reassembly | Damage while disconnecting or reconnecting equipment may be excluded. | Often limited | |
| Property in Transit & Storage | Over-the-road moves and yard storage may need to be added. | Often limited | |
| Mechanical Breakdown Caused by the Move | Covered only when the rigging operation causes it — confirm the wording. | Often limited | |
| Debris Removal & Cleanup | Dropped loads can spill oil or chemicals — confirm cleanup limits. | If needed | |
| Crane Rented With or Without Operator | Confirm coverage when you rent cranes in or out. | If needed | |
| Contractual Liability | Confirm liability you accept in customer contracts is covered. | If needed |
The gap most often missed in this coverage
The gap most often missed by crane and rigging contractors is relying on general liability for the load. General liability excludes property in your care and the part you are working on — one contractor's missed bolt damaged a 403,000-pound transformer, and a court held the general liability policy did not pay. Riggers liability fills that gap, but only up to its limit and basis. Confirm a limit for your largest lift, direct coverage where contracts require it, and coverage for disassembly, transit, and storage.
Send us the checklist and we'll review your riggers liability coverage line by line, then market it across multiple carriers that compete for your account.
Related: Riggers Liability (On-Hook) Insurance · Riggers Liability Supplemental (apply) · All coverage checklists
Frequently asked questions
What should a riggers liability policy include?
Standard features to confirm in a riggers liability policy include Riggers Liability (On-Hook), Limit Fits Your Biggest Lift, All Operations Covered. This checklist also flags the features that are often limited or sublimited and the ones to add if needed, with a plain-English note on each.
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 riggers liability 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.