Protect Your Equipment. Protect Your Jobs. Protect Your Cash Flow.
Insurance built for contractors who rely on heavy equipment to keep projects moving.
From excavators to skid steers, we protect the machines that power your business.
Who This Is For
We specialize in coverage for:
- General contractors
- Excavation companies
- Site development crews
- Landscaping and grading businesses
- Concrete and utility contractors
- Equipment rental operations
- Owner-operators with heavy machinery
If your business depends on equipment moving dirt, building infrastructure, or completing job sites - we protect it.
The Real Problem in Construction Equipment Insurance
Most contractors do not realize their exposure until something goes wrong. Common issues we see:
- Equipment theft from unsecured job sites
- Storm, fire, or flood damage to machinery
- Equipment breakdown causing costly project delays
- Machines damaged during transport between jobs
- No coverage while equipment is off-site or rented out
- Downtime killing project timelines and profit margins
We do not just insure equipment.
We protect your ability to operate and get paid.
Comprehensive Protection
Complete Construction Equipment Coverage System
This is not basic inland marine insurance.
This is a full equipment + jobsite + operational risk program.
Equipment Coverage (Core Asset Protection)
- Contractors Equipment Coverage (Inland Marine)
- Scheduled Equipment Coverage (Excavators, skid steers, loaders, bulldozers, cranes)
- Unscheduled Equipment Coverage (fleet protection)
- Equipment Replacement Cost Options
- Rental Equipment Coverage
Jobsite and Operational Risk
- General Liability (contractor operations)
- Installation Floater (materials in transit or being installed)
- Builders Risk (for applicable construction projects)
- Off-Site Equipment Coverage
- Transit Coverage (equipment moving between job sites)
Equipment Performance and Downtime Protection
- Equipment Breakdown Coverage (mechanical failure protection)
- Rental Reimbursement (while equipment is out of service)
- Loss of Use Protection (where available)
- Emergency Equipment Replacement Support
Theft, Damage and Catastrophic Loss Protection
- Theft Protection (jobsite and off-site)
- Vandalism Coverage
- Fire Damage Protection
- Hail, Wind & Storm Damage Coverage
- Flood Coverage (where available by carrier)
Why Contractors Choose TrueGuard Insurance
We are not a general insurance agency quoting equipment policies. We are a construction risk brokerage focused on uptime and job continuity.
That means:
- We structure coverage around how your equipment actually moves
- We insure assets whether they are on-site, off-site, or in transit
- We prioritize downtime protection - not just replacement cost
- We align coverage with how contractors actually get paid (project completion)
Most agencies insure equipment.
We insure your ability to finish jobs on time.
Built for Real-World Construction Operations
Construction risk is not static. Your exposure changes constantly:
- Equipment moves daily between job sites
- Subcontractors may operate your machines
- Weather delays create extended project timelines
- Equipment sits exposed overnight or on unsecured sites
- Large losses can stall entire projects or contracts
We help you build coverage that keeps your operation moving no matter what happens in the field.
Common Scenarios We Protect Against
- Excavator stolen from a job site overnight
- Skid steer damaged during transport between projects
- Equipment breakdown delaying a major contract
- Storm damage to machines stored outdoors
- Rental equipment damaged while in your care
- Contractor losing revenue due to idle equipment
What Makes TrueGuard Different
- Access to multiple commercial construction insurance markets
- Fast quoting and certificate issuance for active job requirements
- Coverage designed around jobsite exposure - not generic policies
- Local agency support with top-tier carrier access
- Real commercial expertise in equipment-heavy industries
For Contractors Who Are Ready to Scale
As your company grows:
- More equipment = higher exposure
- More jobsites = more risk variables
- Larger projects = higher liability thresholds
- Equipment downtime becomes more expensive
We help you scale protection alongside your operations so insurance never limits growth.
Get Covered The Right Way
Whether you own a single skid steer or operate a full fleet of heavy machinery, your coverage should match your real-world risk.
We will evaluate your operation and match you with the right carrier strategy for your equipment profile.