Client is securing a boom crane truck in PA. I need to know how to cover this properly. My understanding is as follows:
The BAP covers the truck and the permanently attached crane. When the crane is set up and operating, coverage for operations needs to be under General Liability.
The General Liability covers Bodily Injury and Property Damage. Does the General Liability also cover the property in the insured's care custody and control such as an air conditioning unit? Does the liability policy pick up coverage for crane overload causing damage to the Crane itself or do we need separate Inland Marine. If you could advise the best path forward so I make sure all bases are properly covered it would be appreciated.
Pennsylvania Subscriber
A boom crane truck is specialized equipment that may or not be eligible for auto coverage, depending on the carrier. Its type or weight may make it ineligible, so it would benefit you to check with the underwriter as to specific needs of coverage since the operations of the crane may also make it ineligible for standard coverage.
Symbol 19 on the ISO BAP can be used to cover autos that are land vehicles qualifying as mobile equipment unless they are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or garaged, so it is important to check with your underwriter or the state to determine if this is the case.
The general liability coverage will protect against claims made by a third party for injury or property damage claims, but it will not cover damage to the crane itself, nor other property of others associated with the crane rental.
Inland marine coverage would be needed to cover the crane itself, or when it isn't permanently anchored at a job site.
When it comes to such heavy and specialized mobile equipment, it may be that rigging insurance or riggers liability coverage is needed, or even boom truck operator insurance. Because this is specialized equipment, with potentially job specific insurance needs, it is best to check with your underwriter for coverage placement needs.