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Contractors Equipment Coverage from Van Wagoner Companies, Inc.
Van Wagoner Companies, Inc. provides a focused Contractors Equipment program designed to help independent agents and brokers place inland marine coverage for contractors’ mobile equipment and tools. The program is built to support a wide range of contractor clients — from small residential trades to large commercial subcontractors — with flexible options for scheduled and unscheduled equipment, leased units, and higher-value mobile gear.
Ideal Accounts and Appetite
This program targets contractors who rely on owned or leased equipment as a core part of their operations. Typical classes we write include:
Custom Home Builders
Carpenters and Framers
Concrete and Masonry Contractors
Drywall and Insulation Installers
Landscaping and Lawn Care Services
Heating and Air Conditioning Contractors
Swimming Pool Contractors
Tile, Carpet, and Flooring Installers
Metal Erection and Welding
Wrecking and Demolition
We also offer a dedicated Mining Equipment appetite, written through markets that will consider high-value mobile gear such as loaders, excavators, and drilling rigs.
Coverage Highlights and Advantages
The program provides inland marine protection tailored to contractor equipment exposures. Key advantages include:
Coverage for scheduled and unscheduled equipment and tools
Options to include leased or rented equipment where appropriate
Protection for losses from theft, fire, vandalism and many named perils
Capacity for both single-piece high-value equipment and multi-unit fleets
Access to specialty markets for complex or high-limit mining risks
Example scenarios: You might have a regional concrete contractor with several backhoes and a compact fleet that needs a single policy for mobile equipment exposure. Or a landscaper with trailers, mowers and a few high-value attachments requiring scheduled limits and theft protection. Both are within the program’s typical appetite, subject to underwriting review.
Underwriting Notes and Minimum Premiums
Van Wagoner Companies operates as a Managing General Agency with established carrier relationships, including Lloyds and Markel International, to deliver flexible underwriting solutions. Appetite and terms depend on class of business, equipment values, security measures, and loss history. Minimum premiums may vary by class and state; our underwriting team will work with you to find the best placement for each submission.
Territories and Availability
Contractors Equipment and related inland marine solutions are available through Van Wagoner Companies in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
Mining Equipment coverage is available nationwide in all 50 states.
Why Work With Van Wagoner Companies, Inc.
As a specialized MGA, Van Wagoner Companies brings decades of experience placing niche commercial coverages for independent agents. Our team focuses on practical, market-ready solutions and responsive underwriting support. We pair local agent knowledge with access to stable specialty markets to help you secure timely, competitive terms for contractors’ equipment risks.
If you have a contractor client with mobile equipment exposure — from a one-truck operator to a multi-equipment fleet or mining operation — our underwriting specialists can review submissions and identify the best market fit.
Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this Contractors Equipment program?This program is ideal for contractors with mobile equipment needs, including builders, landscapers, HVAC techs, framers, and miners.
Is coverage available for rented or leased equipment?Yes. The program can include options for leased or rented equipment subject to underwriting review and documentation.
Can I place business for a contractor located outside the listed states?Contractors Equipment availability varies by state as listed above. However, Mining Equipment coverage is offered nationwide in all 50 states.
Which carriers back this program?We work with Lloyds and Markel International to provide flexible options and market stability.
Do you work with new ventures?Yes. New ventures are considered on a case-by-case basis depending on the class of business, equipment values, and the submission details.
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