Comprehensive Equipment Liability Coverage From Donald Gaddis Company
Donald Gaddis Company offers a flexible, competitive Equipment Commercial General Liability Insurance program tailored to machinery-related operations. As a wholesale broker with access to a fluid list of quality carriers, we help retail agents place hard-to-place or niche machinery accounts with confidence. Our markets include A.M. Best-rated "A" or better carriers, providing financial stability and dependable claims handling.
Target Classes and Ideal Accounts
This program fits a wide range of machinery-focused businesses, including:
- Used machinery and parts dealers
- Machinery parts manufacturers
- Machinery service and repair shops
- Machinery manufacturers
- Importers of machinery and parts
- Machinery movers and installers
- Independent contractors providing machinery maintenance
If your client operates in these spaces—particularly with unique risk profiles or specialized operations—this program is worth consideration.
Coverage Highlights and Program Advantages
Our carrier panel can provide multiple forms and structures to suit specific exposures:
- Occurrence or claims-made coverage options
- Minimum premiums starting as low as $1,000 for select classes
- Stand-alone Products/Completed Operations or full Commercial General Liability policies
- Primary limits up to $5,000,000 for many classes
- Package policies available for select classes
- Premises/operations-only liability when appropriate
- Environmental liability coverage available for many operations
- Customizable coverage extensions depending on class and risk
Underwriting and Submission Details
Begin submissions with a standard ACORD application. Depending on the risk, supplemental or carrier-specific forms may be requested. Our team—led by Eric Gaddis and Jay Dillon—provides quick estimates and helps identify the best market fit for each account.
Available States
This program is available in most states, including AL, AZ, CA, CO, FL, GA, HI, IL, IN, IA, KS, MI, MN, MO, NE, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV, and WI. Contact us to confirm admitted availability in your state or to discuss non-admitted placements when needed.
Why Work With Donald Gaddis Company?
Donald Gaddis Company brings decades of experience and deep market access in the equipment and machinery sector. We specialize in placing unique or challenging risks and provide hands-on support through submission, placement, and policy servicing. Working with us gives you access to multiple quality markets and underwriting expertise focused on machinery exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program suits machinery dealers, parts manufacturers, repair shops, movers/installers, and maintenance contractors that face equipment-related liability exposures.
Are both occurrence and claims-made forms available?
Yes. Carriers on our panel offer both occurrence and claims-made forms; the best option depends on the insured’s operations and exposure history.
What is the minimum premium for this program?
Minimum premiums can start around $1,000 for certain classes and coverage structures, but final minimums vary by carrier and risk profile.
Is this program available on an admitted basis?
Admitted markets are available in most states for many classes, though availability depends on class and carrier. We can also explore non-admitted options where appropriate.
How do I get a quote or submit an application?
Begin with a standard ACORD application. Additional supplements or carrier-specific forms may be required. Contact Eric Gaddis or Jay Dillon for assistance and market guidance.
Need help placing an account? Connect with a market specialist.