Backhoe Insurance in Vermont

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Backhoe insurance policies are specialized policies for backhoes, tractors and sometimes other equipment. Most policies include coverage for both the insured equipment, and accidents it’s involved in.

General contracting businesses
Construction outfits
Demolition outfits
Landscapers

Damage or Destroyed Coverage
Theft Coverage
General Liability Coverage,

What is backhoe insurance?

Backhoes and similar equipment require specialized insurance. Vermont businesses that use backhoes, tractors or possibly other equipment like this should consider purchasing backhoe insurance.

What Vermont businesses should have tractor insurance policies?

Most Vermont businesses that have backhoes or tractors ought to consider tractor insurance. The insurance can help protect owned, leased and rented equipment. Some examples of businesses that might use this equipment and thus want a policy include:

General contracting businesses
Construction outfits
Demolition outfits
Landscapers

What coverages do tractor insurance policies come with?

While the exact coverages that any insurance policy offers can vary, most tractor insurance policies include protections such as the following:

Damage or Destroyed Coverage, which may protect against damage that’s sustained by an insured backhoe/tractor
Theft Coverage, which may protect against theft of a backhoe/tractor from either a storage facility or job site
General Liability Coverage, which may protect against basic accidents that occur on or near a backhoe/tractor
Operating Risk Coverage, which may protect against accidents that involve a backhoe/tractor while it’s in operation
Rental Reimbursement Coverage, which may cover costs associated with renting a replacement backhoe/tractor temporarily

Do tractor insurance policies extend to other equipment?

Some of these insurance policies are specifically written to insure only backhoes or tractors. Other policies’ provisions allow them to cover similar equipment as well.

When other equipment can be covered, it usually has to be similar in size and weight. For example, post-hole diggers, pavers, hydraulic hammers and road rollers might fall within a policy’s coverage terms.

Businesses that need coverage for a backhoe/tractor and other equipment should work with an independent insurance agent who specializes in these policies. A specialized agent will know what policies are available, and how to check the terms of coverage.

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. He was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

Can backhoe policies be combined with other insurance policies?

While backhoe policies can be purchased on their own, businesses frequently combine them with other insurance policies. A backhoe policy might be combined with general liability insurance, commercial property insurance, commercial vehicle insurance, and any of many other protections.

When backhoe policies and other insurance policies are purchased together, they’re usually put together within a commercial package policy. Commercial package policies offer great flexibility, and typically businesses get discounts for combining policies. A knowledgeable insurance agent can help businesses find a commercial package policy that can include backhoe coverage.

How much does it cost to insure a backhoe or tractor?

The cost of insuring a backhoe or tractor varies, depending on a number of factors. For example, the following frequently affect a backhoe policy’s premiums:

Where the equipment is stored
Where the equipment is used
The size of the equipment
The chosen deductibles and limits
Any recent insurance claims

Businesses can find out how much insuring their backhoe will cost by comparing customized quotes with an independent agent. Independent agents are able to check policies from multiple insurance companies, since they aren’t connected to just one insurer.

How can businesses in Vermont get Backhoe Insurance?

If you need help insuring a backhoe or tractor that’s used in Vermont, contact the independent insurance agents at Paige & Campbell Insurance. Our agents understand backhoe insurance policies well, and we’ll make sure your equipment is well protected, both when it’s being used and when it’s not. We can, of course, assist with other coverages that your business might need.

General Liability Insurance In Vermont