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Subcontractors and service providers face a range of exposures on and off the job site. Their package policy may provide a sub-limit for installation but is the coverage adequate for their exposures?

Installation floater insurance provides coverage for equipment or other materials of the insured and property of others being installed or awaiting installation. This inland marine policy helps to protect subcontractors and service providers from the exposures they face during installation.

The US Assure Builders Risk Plan insured by Zurich offers residential and commercial trade contractors, including plumbers, electricians, carpenters, commercial landscapers, and other service providers, comprehensive installation floater coverage and flexible policy options for projects valued up to $75 million.


What is the difference between installation coverage and builders risk coverage?

At its core, installation coverage is nearly identical to builders risk coverage. The key difference lies in the scope of what is insured.

Builders risk insurance is intended to cover everything going into a new structure from the ground up, insuring equipment and materials being constructed, installed or erected at the project site.

In contrast, installation coverage is designed to protect one single aspect of the project, such as the installation of bathroom fixtures, windows, air conditioning, etc. Installation policies also protect materials and fixtures to be installed while they are in transit.

Who needs floater installation insurance?

The ideal client for installation coverage is an artisan contractor, carpenter, plumber, electrician, HVAC technician or another type of specialized contractor. General contractors can also purchase installation coverage.

In certain circumstances, a property owner may also purchase installation coverage to make sure the materials are covered during installation.

Aren’t subcontractor materials covered under the general contractor’s builders risk policy?

While the general contractor’s builders risk policy can extend coverage to subcontractors at the job site, not all coverage is provided to the subcontractor while materials are away from the project site. General builders risk insurance coverage may specifically exclude the subcontractor when overseeing materials or equipment in transit or at an offsite location.

Because of that type of exclusion, subcontractors and service providers should consider having separate installation coverage to protect themselves rather than depending on coverage under another insured’s policy.

If my client damages other property during the installation process, does the policy extend coverage to replace the property my client damaged?

Generally speaking, installation policies normally do not include liability coverage. If the subcontractor damages other property during the installation, he or she should review their liability insurance and any other policies to determine whether coverage is available.

Project Examples

Whether your client is installing an air conditioning unit or cell tower, the Zurich builders risk policy provides protection for a broad range of projects and materials and equipment during installation, including:

  • Asphalt and concrete
  • Cabinets
  • Cellular towers
  • Fencing
  • Heating and air conditioning
  • Parks and playgrounds
  • Plumbing
  • Roofing
  • Scoreboards
  • Sewer lines
  • Water treatment plan improvements


  • Residential and commercial subcontractors and service providers are eligible
  • Policy options to insure one or multiple installation projects in one or more states
  • Protects material or equipment to be installed in the insured’s care, custody or control
  • Extended coverage while in transit and temporary storage
  • Coverage for labor and profit
  • Fast, easy access with no minimum commitment
  • Rate, quote and issue most policies online in minutes:
    • For single projects under $10 million in value, online submission and issuance is available.
    • For a blanket coverage or projects valued at $10 million and more, policies are issued manually; paper applications are accepted.


Nationwide on an admitted basis

Related Topics and Resources

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