Separate vehicle use from equipment cover
Disclose business travel, permanently installed equipment, removable tools and chemicals. List replacement values and overnight storage. Ask about theft from vehicles and whether equipment is protected while being loaded or used at a customer’s property.
Which policy addresses the van, installed machinery and portable tools?
Explain the work environment
Describe customer driveways, commercial sites, water access and runoff controls. Ask about chemical damage, pollution and damage to surfaces around the vehicle. Discuss requirements in customer or site contracts before accepting work that changes your usual operation.
Are the proposed sites and chemical-related exposures accepted?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Service list and mobile operations
- Typical and maximum vehicle values
- Customer vehicle storage arrangements
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.