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Equipment Dealer Insurance

EMC Insurance Companies has the knowledge and expertise to provide you with the right equipment dealer insurance. We offer a full range of equipment dealer insurance programs including farm equipment dealer insurance, insurance for lawn and garden equipment dealers and light to medium construction equipment dealer insurance.

Types of Insurance Policies for Equipment Dealers

Your equipment dealer insurance program can include a variety of individual coverages, including:

Business Auto Insurance for Equipment Dealers covers company vehicles driven by your employees and provides protection in case of an accident.

For example, if your employee accidently causes a rear-end collision while driving a company vehicle, auto insurance would help cover the costs.

Cyber Liability Insurance for Equipment Dealers helps your business react to and recover from a data breach by helping cover the costs of:

  • Computer software restoration
  • Data recovery
  • Third-party liability protection
  • Response efforts
  • Defense and liability
  • Identity recovery for key individuals within your organization

Essential Property Insurance for Equipment Dealers helps protect your buildings, equipment and other property against physical damage. For example, if the roof of your facility is damaged due to wind, property insurance would help cover it.

General Liability Insurance for Equipment Dealers protects your business from liability exposures such as injuries, faulty work or damage to a customer’s property. For example, if a customer were to slip and fall at your place of business, general liability would help cover the costs.

Umbrella Coverage provides your business with additional security in the event of an expensive liability claim that would otherwise exceed your coverage limits.

Workers’ Compensation Insurance covers medical expenses and compensation for workers who get injured while on the job (available in select states). For example, if an employee hurts their back while lifting a piece of equipment, workers’ compensation insurance would help cover the costs.

How Much Is Insurance for an Equipment Dealer?

The cost of equipment dealer insurance can vary depending on the size of your business and the type of services you provide. EMC can customize your equipment dealer insurance program so it works for you. Contact a local independent agent and ask about EMC’s insurance for equipment dealers.

Our Equipment Dealer Insurance Stats

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EMC proudly provides equipment dealers insurance for more than 500 equipment dealers. We have over $22.3 million in written premium.

Types of Insurance Coverages for Equipment Dealers

Property and Inland Marine Insurance

  • Employee dishonesty
  • Employees’ tools
  • False pretense*
  • Flood and earthquake
    • Included with inland marine coverage
  • Pollutant cleanup and removal
  • Property: In transit and off premises
  • Rented equipment coverage*
  • Repair and replacement provision
  • Utility services: Direct damage
  • Water backup

Auto and Liability Insurance

  • Acts, errors and omissions
  • Auto business income and extra expense*
  • Damage to rented premises

The following coverages are available with the Auto Dealers Elite Extension:

  • Audio, visual and data electronic equipment
  • Blanket additional insured
  • Broad form work performed
  • Defective products
  • Fellow employee
  • Hired auto physical damage
  • Increased towing expense
  • Waiver of glass repair deductible

These are just some of the coverages offered through the EMC Equipment Dealer Insurance Program. Talk with your independent insurance agent to learn more.

*Available by endorsement
Disclaimer: This is a summary of coverages available. Coverage is subject to policy terms and conditions, limitations and exclusions, and may vary from state to state. Read your policy for specific terms and conditions or contact your local agent for details.

Hear From an EMC Policyholder

“We always receive our claims payments from EMC very quickly. All transactions I have had with them has gone smoothly. I recently worked with someone on a workers’ compensation claim for the first time and she really was super friendly and went above and beyond to help us out. I was very impressed with our service.”

Chasity Kral
— EMC Policyholder

Farming machinery and tractors

Safety and Loss Control Resources for Equipment Dealers

EMC has provided loss control services for our policyholders since 1926. Our experienced loss control professionals can give you suggestions and solutions that can lessen your risks.

Ergonomic Evaluations*

to identify ergonomic issues before losses occur. We also offer online resources to help you spot problems and educate your employees.

Hazard Control Assessments

to identify hazards that pose the greatest potential safety risks to your operations. We then recommend viable solutions to control or reduce these risks.

Injury Management Programs**

to help reduce the impact of injuries, including select provider, return to work, prework screening and worksite wellness programs.

Slip and Fall Prevention

to help you develop a proactive approach to reducing these incidents at your jobsite. We also offer many online resources to help prevent slips and falls–a leading cause of workplace injuries.

Online Safety Training

to give your employees convenient access to short training segments, complete with quizzes to check for understanding. You can register, assign training and track your employees’ training progress through our easy-to-use online training system.

Visit the Loss Control page to learn more and access our extensive collection of online safety resources.

Count on EMC® for Quality Insurance for Equipment Dealers

Whether you need farm equipment dealer insurance or forklift dealer insurance, EMC has a wide range of tailored insurance policies for equipment dealers. And with more than 110 years of experience, customers know they can Count on EMC® — and you can too.

*These services are available only in territories where EMC provides workers’ compensation coverage.

**This program is not available in all states.

Find an EMC agent

Contact a local independent insurance agent and ask about EMC’s equipment dealer insurance.

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A local independent insurance agent near you can help you find the right insurance for your needs.

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