Crane operation can be dangerous for workers and by-standers as well as damaging to property and equipment. These challenges have prompted crane operators and businesses to carry several types of insurance to reduce their liability and control their risk. The main types of liability insurance include: general liability, property and equipment, auto liability and physical damage, workers’ compensation, and umbrella liability. This slide show outlines the highlights of each type of insurance so employers and crane operators can understand the types of liability insurance they will need when seeking out coverage. For more information about the different types of crane insurance or to seek crane insurance coverage, contact Allied Insurance Brokers for a quote.

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2. From 1997 to 2007, annual deaths from crane-
related accidents ranged between 62 and 90. In
2008, fatalities jumped to 197; in 2009 the
number climbed to 217. In 2010, there were 111
deaths due to crane-related accidents. It’s a
given that crane ownership is a high-profile, high-
risk business. So the question that remains is,
how can crane owners’ best control that risk
while reducing their liability? These coverage
options available for crane-related accidents can
help protect your business and employees:
OVERVIEW
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 General Liability
 Property & Equipment
 Auto Liability & Physical Damage
 New Workers’ Compensation/Employer’s Liability
 Excess/Umbrella Liability

3. GENERAL LIABILITY
A standard insurance policy issued to business organizations to protect them
against liability claims for bodily injury (BI) and property damage (PD) arising
out of premises, operations, products, and completed operations; and
advertising and personal injury (PI) liability. Allied’s coverage includes:
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 $2,000,000 general aggregate
 $1,000,000 per occurrence
 $2,000,000 products and completed operations
 $1,000,000 personal and advertising
 Occurrence form
 Various deductible options
 Riggers Liability including Loss of Use (Coverage is outside the per
occurrence limit)
 Sudden/accidental pollution included for $250,000 and can be increased
up to $1 million
 Over-the-road liability coverage for truck-mounted cranes
 Employee Benefits of $1 million

4. PROPERTY & EQUIPMENT
Your business needs to be protected financially from the loss of buildings, equipment and business personal property in the event of fire,
theft or other covered types of damage or destruction. If your business involves servicing other people’s property, you should have
protection while it’s in your possession. Also, beyond physical damage to property, you can also protect your business from lost income
resulting from a covered loss. Allied’s coverage includes:
 "Manuscript" coverage tailored to cover equipment rented to third parties
 Replacement cost valuation for equipment under 10 years old
 Riggers coverage available with optimal consequential loss coverage
 Specialty coverage including boom overload, over-the-road liability, loss of income and extra
expense, loss of rents, equipment in your care, custody and control, attachments coverage
 Flood and earthquake available in most states
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5. This insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are
injured or property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial
responsibility) is required in most states. Allied’s coverage includes:
 Broad Form Insured
 Employees as Insureds
 Hired Car Physical Damage
 Blanket Additional Insured
 Towing/Labor
 Rental Reimbursement
AUTO LIABILITY & PHYSICAL DAMAGE
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 Personal Effects
 Accident Airbag Deployment
 Loan/Lease Gap
 Preferential pricing for qualified accounts
 Fleet and loss experience discounts

6. Excess/Umbrella Liability
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Even if you carry General Liability Insurance for your business, you
might face a repair, settlement, or judgment in excess of your
coverage limit. Without Business Umbrella Insurance (also
sometimes called Umbrella Liability Insurance or Excess Liability
Insurance), you would have to pay the uncovered expenses out-of-
pocket. Allied’s coverage includes:
 $1 million to $5 million coverage limits with higher limits
available

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New Workers’
Compensation Liability
An insurance policy that provides coverage for an employer's two key
exposures arising out of injuries sustained by employees. Part One of
the policy covers the employer's statutory liabilities under workers
compensation laws, and Part Two of the policy covers liability arising
out of employees' work-related injuries that do not fall under the
workers compensation statute. Allied’s coverage includes:
 Available in most states
 Best's "A-" (Excellent) rated carrier that specializes in Worker's
Comp
 Ability to issue certificates of insurance online anytime
 Superior claims handling service

8. 800.569.9427
ALLIEDINSBROKERS.COM
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The coverage program highlights are subject to change without notice. Coverages can vary by insurer and specific risk circumstances.
Please refer to the actual proposal of insurance for specific policy terms and specific coverages provided.

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Sources: http://www.irmi.com/online/insurance-glossary/terms/c/commercial-general-liability-cgl-policy.aspx http://www.dfmurphy.com/businessinsurance/Property http://www.grayduffylaw.com/wp-
content/uploads/2011/10/Crane-Hot-Line-Oct-2011.pdf http://www.alliedinsbrokers.com/industries/cranes/coverage-options http://downtownlalaw.com/crane-accident-lawsuit-liability-for-injury/
http://www.nationwide.com/commercial-auto-liability.jsp http://www.irmi.com/online/insurance-glossary/terms/w/workers-compensation-and-employers-liability-policy.aspx http://www.businessinsurancenow.com/umbrella-liability/