Meeting Insurance Needs

Heavy lifting, moving loads over workers and property, crossing public rights-of-way and transporting large equipment all expose full-service crane companies, rental fleets and taxi crane contractors to unique and costly risks every day and potential losses that far exceed standard business insurance limits.

The core types of insurance coverage most crane companies should have to protect their businesses, ensure compliance with regulations and meet contract and project owner requirements include:

• Commercial General Liability: Protects against third-party bodily injury and property damage claims arising from crane use or presence on a job site. This is often contractually required by project owners and general contractors.
• Rigger’s Liability / “On-Hook” Coverage: Covers damage to property or cargo being lifted or under the crane’s load — an exposure not fully addressed by standard general liability policies.
• Equipment Physical Damage: Protects the crane itself from collision, overturn, boom damage, fire, theft and other perils. This can include inland marine to cover transit exposures.
• Commercial Auto Liability: Required when cranes or service trucks travel on public roads or are hauled between sites.
• Workers’ Compensation & Employers Liability: Statutorily required in most states to cover crane operators and riggers if injured on the job.
• Excess / Umbrella Liability: Extends liability limits beyond primary policy caps, which is especially critical in heavy lifting losses where verdicts can exceed millions.

Other considerations include:

• Mandated coverage levels vary by contract, jobsite requirements and local regulations.
• Projects and rental contracts often require evidence of specific coverage before equipment is mobilized.
• Higher liability limits and umbrella policies are especially important for cranes working in urban or highly populated environments.
• Specialized crane insurance programs often provide endorsements and training resources that help reduce total cost of risk, not just pay claims.

Commercial Crane Insurance Providers

AJG United States — Crane, Rigging & Specialized Transportation Insurance

www.ajg.com/crane-rigging-insurance/

Coverage Provided: 

• General liability
• Workers’ compensation
• Auto liability
• Property & equipment coverage
• Umbrella / excess
• Specialized extensions (boom overload, loss of use, over-the-road)

Amwins — Crane & Rigging Specialty Contractors Program

www.amwins.com/products/crane-rigging-specialty-contractors-insurance-program-amwins

Coverage Provided:

• General liability
• Rigger’s liability
• Workers’ compensation
• Business auto
• Inland marine
• Umbrella & excess
• Motor truck cargo / contractor’s pollution

Ascinsure Specialty Risk — Crane & Riggers Insurance (Multi-Lines

completemarkets.com/company/ascinsure/Crane-Riggers-Insurance-Multi-Lines/

Coverage Provided:

• General liability
• Rigger’s liability
• Workers’ compensation
• Commercial auto
• Inland marine
• Excess / umbrella
• Optional crime coverage

Contractors Choice Agency

contractorschoiceagency.com/services/niche-trades/crane-operators

Coverage Provided:

• General liability
• Equipment physical damage (boom, overturn)
• Rigger’s liability / care, custody & control
• Workers’ compensation
• Auto liability
• Umbrella / excess coverage

Crane Network Insurance Partners

cranenetwork.com/insurance

Coverage Provided (brokered solutions tailored to crane and heavy equipment operations) including:

• General liability
• Equipment coverage
• Auto
• Property / inland marine
• Rigger’s liability options

DKM Insurance (Construction & Crane Insurance)

www.dkminsurance.com/construction-cranes

Coverage Provided:

• General liability
• Property & equipment
• Commercial auto liability & physical damage
• Workers’ compensation
• Umbrella & excess
• Rigger’s liability including loss of use
• Rigger’s liability including loss-of-use, care-custody-control, boom overload and bare rental extensions
• Flood, pollution and lease gap coverage options

Miller & Miller Insurance — Crane Rental Insurance

www.miller-ins.com/crane-rental/

Coverage Provided:

• All-lines crane insurance tailored specifically to crane rental companies, with or without operators.
• Designed for general liability, rigging exposure and equipment risk for crane rental operations.

National Interstate Insurance

natl.com/products/crane-rigging-specialized-carriers-insurance

Coverage Provided:

• Auto Liability
• Auto Physical Damage
• Workers’ Compensation
• General Liability
• Motor Truck Cargo
• Property
• Excess

New Heights Insurance

newheightsinsurance.com/crane-truck-operator-insurance/

Coverage Provided:

• Property
• General Liability
• Automobile
• Riggers Liability
• Inland Marine
• Umbrella

Risk Placement Services (RPS) — Crane & Rigging Insurance

www.rpsins.com/products-and-programs/signature-programs/crane-rigging-insurance/

Coverage Provided:

• General liability
• Rigger’s liability
• Workers’ compensation / employer’s liability
• Auto liability
• Inland marine
• Excess / Umbrella
• Contractor’s pollution

Skyward Specialty / Skyward Industry Solutions — Crane & Rigging Insurance

skywardinsurance.com/solutions/industry-solutions/crane-rigging/

Coverage Provided:

• Commercial general liability (including rigger’s liability via “on-hook” endorsements)
• Commercial auto & mobile crane liability
• Workers’ compensation
• Excess liability
• Property / Inland marine
• Incident/contract risk coverage