(October 2019)
The Insurance Services Office (ISO) Business Auto Coverage Form wording is similar to other types of coverage that make rather sharp distinctions between commercial vehicles and mobile equipment. While Symbol 19–Mobile Equipment Subject to Compulsory or Financial Responsibility or Other Motor Vehicle Insurance Law Only broadens the definition of mobile equipment as covered autos in some states, it doesn’t in all states. It is always helpful to be aware of mobile equipment and its coverage needs.
Many types of mobile equipment are used in construction, mining, farming, and other types of work that require heavy equipment. The simple distinction between regular commercial vehicles and mobile equipment is that mobile equipment performs certain operations that assist an insured in performing work. A commercial vehicle is all about transport, be it persons or property. The ability of mobile equipment to move relatively freely from place to place enables it to get around on a jobsite in order to perform its operations.
These are examples of mobile equipment. The list is not exhaustive.
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Asphalt pavers |
Tractors |
Graders |
Backhoes |
Mowers |
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Manlifts |
Buckets |
Scrapers |
Power shovels |
Rollers |
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Fellers/bunchers |
Front-end loaders |
Rear-end loaders |
Stone crushing plants |
Drilling rigs |
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Mounted generators |
Borers |
Concrete mixers |
Trenchers |
Off-highway trucks |
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Forklifts |
Crew transports |
Shredders |
Conveyors |
Mobile communication centers |
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Delimbers |
Debarkers |
Chippers |
Grinders |
Compactors |
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Peeling machines |
Pile drivers |
Tower cranes |
Skidders |
Slashers |
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Mobile cranes |
Derricks |
Excavators |
Bulldozers |
Traffic light service Trucks |
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Boom Trucks |
Cranes with magnets |
Track-type loaders |
Log loaders |
Pumpers |
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Recyclers |
Grapplers |
Distributors |
Sweepers |
Power pushers |
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Mobile welders |
Dust Collectors |
Skid steer loaders |
Cherry pickers |
Steam rollers |