Comprehensive Equipment Liability Coverage From Donald Gaddis Company
Donald Gaddis Company offers a flexible and competitive Equipment Commercial General Liability Insurance program designed specifically for machinery-related operations. As a wholesale broker with access to a fluid list of quality carriers, we help retail agents place hard-to-place or niche machinery accounts with confidence. Our markets include A.M. Best-rated "A" or better carriers, ensuring financial stability and reliable claims handling.
Target Classes and Ideal Accounts
This program is ideal for a wide range of machinery-related businesses, including:
- Used machinery and parts dealers
- Machinery parts manufacturers
- Machinery service and repair shops
- Machinery manufacturers
- Importers of machinery and parts
- Machinery movers and installers
- Independent contractors providing machinery maintenance
If you have clients in these spaces—especially those with unique risk profiles or specialized operations—this program may be an excellent fit.
Coverage Highlights and Program Advantages
Our carriers can offer a variety of forms and structures to meet the specific needs of your clients:
- Occurrence or claims-made coverage options
- Minimum premiums starting as low as $1,000
- Stand-alone Products/Completed Operations or full CGL policies
- Primary limits up to $5,000,000 for many classes
- Package policies available for select classes
- Premises/operations-only liability when appropriate
- Environmental liability coverage available for many operations
- Customizable coverage extensions depending on class and risk
Underwriting and Submission Details
We accept Acord applications as a starting point, and depending on the risk, we may require supplemental or carrier-specific applications. Our experienced team—led by Eric Gaddis and Jay Dillon—can provide quick estimates and help you identify the best market fit for your client’s needs.
Available States
This program is available in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Contact us to verify availability in your state or to discuss options for non-admitted placements where needed.
Why Work With Donald Gaddis Company?
Donald Gaddis Company brings decades of experience and deep market access in the equipment and machinery space. We specialize in helping agents place unique or challenging risks and offer superior customer service throughout the submission and policy cycle. Our goal is to provide you with reliable insurance solutions that meet your clients’ evolving needs while making the placement process smooth and efficient.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for machinery dealers, parts manufacturers, repair shops, movers/installers, and maintenance contractors involved with industrial equipment.
Are both occurrence and claims-made forms available?
Yes, our carriers offer both occurrence and claims-made options based on the insured’s risk profile and preferences.
What is the minimum premium for this program?
Minimum premiums start as low as $1,000, depending on the class of business and coverage structure.
Is this program available on an admitted basis?
Most states offer admitted markets for this program, but availability may vary by class and carrier.
How do I get a quote or submit an application?
Start with a standard Acord application. Additional supplements or carrier-specific forms may be required. Contact Eric Gaddis or Jay Dillon for assistance.
Need help placing an account? Connect with a market specialist.