01
The context
This guide explains a recurring coverage question, not a market-wide policy change. Liability insurance and insurance for property being handled or installed can respond differently.
02
Who should read this
Contractors storing, lifting, repairing or installing customer equipment and materials.
03
What is known—and what depends on your situation
Care, custody or control and work-related property exclusions depend on the issued policy. Damage to the item being worked on and damage to surrounding property must each be assessed; neither is automatically covered. No specific insurer wording has been verified for this guide.
04
Questions to bring to your broker
Gather the liability policy, property or installation coverage, endorsements and customer contract. Identify whose property is involved, its value, where it is stored and when responsibility transfers.
05
A practical next step
Describe one typical job to your broker, including transport, storage, lifting and testing. Ask for a written explanation tied to the actual policy clauses, limits and deductibles.
Sources and scope
Read the current source and its applicable edition. A linked form or statute does not establish the terms of your policy. Publication here is not evidence of an individual broker sign-off.