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Why You Need
Equipment
Insurance
When business equipment is damaged, stolen, or fails unexpectedly, operations can slow or stop. Harper works with carriers known for responsive claims handling. We guide you through documentation, timelines, and repair or replacement steps to reduce downtime and keep work moving.
If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help most.
Better Rates
Complex Cases
Why choose Harper
Harper focuses exclusively on commercial insurance. We insure equipment used to operate, deliver services, and generate revenue. Our team understands job-site exposure, transit risk, storage risk, and daily operational wear. Coverage is designed for professional use—not consumer or recreational purposes.
When business equipment is damaged, stolen, or fails unexpectedly, operations can slow or stop. Harper works with carriers known for responsive claims handling. We guide you through documentation, timelines, and repair or replacement steps to reduce downtime and keep work moving.
When business equipment is damaged, stolen, or fails unexpectedly, operations can slow or stop. Harper works with carriers known for responsive claims handling. We guide you through documentation, timelines, and repair or replacement steps to reduce downtime and keep work moving.
Different industries use equipment in different ways. Harper helps align coverage terms, limits, and endorsements to how your equipment is used, transported, and stored—so your policy reflects real operational exposure rather than generic assumptions.
Commercial equipment losses can involve theft, impact damage, water exposure, vandalism, or accidental breakage on job sites and in transit. Harper helps identify your most likely loss scenarios and structures practical coverage limits and options to reduce out-of-pocket costs.
Equipment insurance can include details like replacement cost vs. actual cash value, deductibles, exclusions, and optional add-ons. Harper explains coverage in plain language so you know what’s covered, what’s excluded, and how a claim would work before you bind.
Harper partners with A-rated insurers that specialize in commercial equipment and inland marine coverage. Carriers are selected for strong financial stability, practical policy structures, and efficient repair-or-replace processes for professional equipment.
Equipment insurance is more than financial protection — it’s business continuity. A broken tool, stolen camera kit, or damaged laptop can halt your workflow for days or weeks. Harper ensures your coverage is built to keep you operational, with support that helps you recover quickly from unexpected losses. With the right policy in place, you can focus on your work knowing your gear — and your income — is protected.
What is
Equipment
Insurance?
Commercial equipment insurance helps protect the tools, machinery, electronics, and professional gear your business uses to operate. If covered equipment is damaged, stolen, lost, or accidentally broken, the policy can help pay for repair or replacement—reducing downtime and financial strain for revenue-generating work.
FAQs
Find quick answers to the most common questions about our services.
Many commercial policies include coverage for theft from locked vehicles, subject to conditions, limits, and documentation requirements.
Yes. Previously purchased equipment can often be insured with item details and reasonable valuation, depending on the carrier.
Often yes. Coverage depends on the policy form and options selected. Harper will explain what’s included before binding.
They can help during claims, but they’re not always required to begin coverage. We’ll help you build an equipment schedule over time.
Often, when the equipment is used for business purposes. Confirm eligibility and treatment with your tax advisor.
Coverage can often begin quickly—sometimes same day—depending on equipment value, location, and carrier requirements.
Get a
Equipment
Insurance Quote
Your equipment supports your business operations and revenue. Protect it from theft, damage, and unexpected breakdowns with commercial-grade coverage and clear guidance from Harper. Start your quote today.
