When Rigging Goes South: What Is Riggers Liability?

Have you ever seen a big machine lifting heavy steel bars in a city or a giant screen coming down at a concert?

The people doing this have a special skill called rigging. It’s like a careful dance to make sure everything is safe.

But if something goes wrong, it can be really bad.

Picture this: a mistake in counting, a strap that doesn’t work, or a sudden, strong wind.

Suddenly, a lot of heavy stuff falls, hurting things around it, hurting people, and maybe even stopping someone’s job.

This can be a big problem for the company that does the rigging.

That’s where a special kind of insurance called riggers liability helps.

So, what is riggers liability?

It’s a type of insurance made for companies that lift and move heavy things. If there’s an accident, this insurance helps pay for the damage. It’s different from regular insurance because it covers damage to things you’re working with, not like regular insurance, which doesn’t cover that.

Free vector house construction process with cartoon building machinery retro style
House construction process with cartoon building machinery retro style vector illustration- Freepik

What Is Riggers Liability?

Riggers’ liability is insurance for third parties’ property while they are on the line.

Legally, you are liable for any damage that may occur during the lift.

Riggers’s Liability

In addition to the rigging liability, your inland marine policy should ideally include transit or cargo coverage.

As an alternative, you can add riggers liability as an endorsement to your general liability policy.

What Does Riggers Liability Cover?

The rigger’s liability insurance covers the cost of any equipment on the hook that is not their own.

Assume that you are placing a generator on the top level of a low-rise structure.

Standard general liability insurance will probably not cover the instrument itself in this case, but it will likely cover any damage or injuries brought on by the generator’s impact.

Is riggers liability insurance necessary?

Your general liability crane insurance may be sufficient if you are using a crane at work and all the materials you lift are your property.

If you are working as a rigger in addition to doing other contractual duties, and the materials and equipment you are transporting are part of that project, an installation floater may also be an option.

Coverage for an installation is limited to a single process or stage of construction (like plumbing).

In contrast, riggers’ liability insurance covers only a crane operator who is hoisting, transporting, or positioning someone else’s property.

Free vector construction icons set
Free vector construction icons set

What if the value of the machinery I’m moving exceeds the limits of my riggers liability insurance?

Before relocating a piece of equipment, your client may want you to have particular riggers liability coverage.

If your current rigger’s liability limit is less than the value of the machinery, you can acquire an endorsement for that project to pay the difference.

This additional expense is typically passed on to the client as part of the overall project cost.

Insufficient crane riggers liability coverage could leave you responsible for hundreds of thousands of dollars in property damage.

Types of Crane Insurance and Heavy Equipment Insurance

  1. Mobile and Tower Crane Operator Insurance
  2. Boom Truck Operator
  3. Service Truck Crane Operations
  4. Crane Inspector and Lift Director
  5. Concrete Pump Truck Operators
  6. Heavy Haul Trucking Operations.
  7. Specialized Transportation Operations

Who is covered by crane and rigging insurance?

  1. The Rigging company.
  2. Master Riggers and qualified operators.
  3. Concrete and Concrete Pumping
  4. Motor Truck Cargo
  5. Warehouses
  6. Millwright
  7. Crime
  8. Boom Coverage
  9. Upset Coverage
  10. Aerial Lift Platform Dealers
  11. Foundation (Pile Drive/Drill Shaft)
  12. Select Demolition Operators
  13. Specialized/Heavy Haul
  14. Steel Erection
  15. Structural Movers
  16. Equipment dealers
  17. Oversized or overweight hauling

Types of Riggers Liability Insurance

  1. Contractor’s Liability Insurance
  2. Liability Insurance
  3. General Liability Insurance
  4. Workers’ Compensation

Crane and rigging operations carry inherent dangers.

All states, except Texas, have laws that require workers’ compensation.

Inland Marine

An equipment floater is a typical addition to an Inland Marine policy, as was already mentioned.

Damage to machinery, including crane rentals, will be covered.

Crane operators are subject to rigging liability in order to safeguard products that are on the hook and in motion.

Surety Bonds

Surety bonds come in a wide range of variations.

Construction activities require a contract bond, a kind of surety bond.

Whether they are working on public or private projects, contractors, including those in the crane and rigging sectors, are obliged to get surety bonds as a condition of their contracts with project owners.

Excess Liability

For the majority of projects, it is advisable and frequently necessary to have excess liability, commonly known as an umbrella policy, for sufficient crane and rigging liability coverage.

Commercial Auto

A crane must be covered by auto liability insurance when operating on public roadways.

It operates similarly to coverage for operating a truck or passenger car.

Transporting heavy, expensive machinery requires comprehensive insurance.

Mobile equipment is covered by PIP, UM, and Med Pay under a motor vehicle legislation endorsement.

There are choices to think about, including hired automobile physical damage coverage and hired and non-owned liability coverage.

Mandatory Liability Insurance Requirements

There can be minimal liability insurance standards in your state for auto insurance coverage.
In each state, they are required to carry the following minimum insurance coverage:.
  1. Bodily injury liability
  2. Property damage liability
Your coverage requirements for different forms of liability insurance may depend on a number of things.
This comprises:
  • History of your Claims
  • Location
  • Type of your business
  • Years in business

To learn more about the legislation in your area, see an insurance agent.

Accepting Liability Only in a Lawsuit 

In some circumstances, the insurance provider would first contest responsibility and assert that the accident was not the fault of the insured.

The adjuster will frequently use this as a technique to frighten you into accepting a meager settlement offer.

But, as soon as you file a lawsuit against their insured driver, the adjuster will frequently back off and promptly accept culpability.

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