https://completemarkets.com/company/Amwinsunderwriting/Inland-Marine-Contractors-Equipment/
Inland Marine — Contractor's Equipment (Amwins Program Underwriters)
Amwins Program Underwriters, part of the Amwins Underwriting division, offers an Inland Marine program for Contractor's Equipment under the direction of industry veteran Heather Frain. This program is designed for agents and brokers who need admitted paper, flexible scheduling, and expanded ancillary coverages for construction and trades equipment.
Overview of the Program
The program writes coverage on 100% U.S. admitted paper for contractor's equipment, which removes E&S tax considerations and typically speeds processing for your insureds. The underwriting philosophy is “service-above-all,” emphasizing partnership and quick, pragmatic responses to submissions.
Ideal Accounts and Appetite
Street and road contractors
Building and general contractors
Sewer, water, and cable contractors
Excavation, paving, and grading contractors
Municipal risks and public works contractors
Artisan and specialty trade contractors
Logistics and warehouse operations with material-handling equipment
Typical fits are contractors and trades that maintain owned or scheduled equipment, rent or lease equipment to/from others, or require specific inland marine coverages such as rigger's liability or waterborne transit. Cranes are eligible when included on a schedule with other contractor's equipment (no blanket single-crane-only accounts that would trigger boom/overload exclusions).
Coverage Highlights and Advantages
Admitted paper for all placements — simpler premium reporting and faster processing.
Low entry point: programs accept accounts with a low minimum premium (example: $1,000).
Schedule-based contractor's equipment coverage with options to add:
Leased or rented FROM / TO others
Waterborne coverage for specified transit risks
Rigger's liability
Rental cost reimbursement and continuing rental/lease payments
Bailees coverage where required
Underwriting flexibility for mixed-fleet schedules (light equipment, heavy equipment, and cranes on the same policy).
Focused service—from quote to policy issuance—guided by a dedicated underwriting team.
Underwriting Notes and Minimums
Minimum premium: competitively low (the program advertises a low minimum premium of $1,000).
Cranes: acceptable when part of a broader equipment schedule; confirm no boom/overload exclusion applies for the account.
Submissions should include a current equipment schedule, values, loss history, and any rental/leasing arrangements.
Additional coverages (rigger’s, bailees, waterborne) are available by endorsement—request specifics on a per-submission basis.
Territories and Availability
This program is available in the following jurisdictions: AL, AK, AZ, AR, 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, DC, WV, WI, WY.
Why Place Contractor's Equipment with Amwins Program Underwriters
Managing General Agency capability with admitted paper—good for agents who prefer admitted markets for inland marine placements.
Service-focused team led by an experienced underwriter (Heather Frain) familiar with contractor operations and equipment exposures.
Flexible endorsements and ancillary coverages help you tailor policies to real-world contractor exposures (rental arrangements, transit, rigger’s liability, etc.).
Faster processing and clearer premium handling because policies are on U.S. admitted paper.
Agent Examples
You might have a municipal water contractor with a mixed fleet (excavators, backhoes, and one crane) who needs scheduled equipment coverage plus continuing rental reimbursement while equipment is repaired — this program can package those coverages on admitted paper.
A regional paving contractor that rents and leases equipment to subcontractors could benefit from leased-from/to coverages and low minimum premium entry point to keep the account cost-effective.
To learn more about our Inland Marine program, please visit our website.
Frequently Asked Questions
What types of contractor accounts are the best fit for this program?Accounts with scheduled contractor's equipment—such as excavators, loaders, backhoes, and support equipment—are ideal, especially contractors who need admitted paper and optional coverages like rigger’s liability, waterborne transit, or rental cost reimbursement.
Are cranes eligible on this program?Yes. Cranes are eligible when included as part of a broader equipment schedule with other types of contractor's equipment. Underwriters will review for any boom or overload concerns—single-crane-only submissions may require additional details.
What submission materials should I include to get a prompt quote?Provide a current equipment schedule with values, make/model/year, the insured’s operations description, loss history for the past 3–5 years, and details about any leased or rented equipment. Note desired endorsements (rigger’s, waterborne, rental reimbursement) up front.
Is this program available nationwide?The program is available in the list of states shown on this storefront. Coverage is on admitted paper in those jurisdictions—confirm state availability for the insured’s location prior to submission.
What is the program’s minimum premium and service approach?The program offers a low minimum premium (example: $1,000) and emphasizes a service-above-all approach—focused underwriting, practical endorsements, and faster processing because policies are written on U.S. admitted paper.
Need help placing an account? Connect with a market specialist.