You invest a lot in your business, and protecting those investments is a priority. Whether you’re looking to manage risk, prepare for the unexpected or simply enhance peace of mind, we have the insurance solution to help you be more successful.

What We Offer

Physical Damage Insurance | Commercial General Liability Insurance


Physical Damage Insurance

Physical damage insurance covers losses due to collision, flood, upset or overturn, fire, vandalism, theft and more. For partial losses, we pay the full replacement cost for genuine Cat® parts and repairs by Cat dealers.

Coverage Details

Our comprehensive coverage and competitive rates are available to all equipment customers. If you finance your machines through Cat Financial, you'll get instant approval and a locked-in rate for the term of your contract.

  • For total losses, we cover the greatest value of the following:
    • The payoff value of your loan, up to the amount of your insurance OR
    • The actual cash value of your insured equipment OR
    • The cost to replace your machine with one of like kind and quality
  • For covered partial loss, full replacement cost for genuine Cat parts and authorized Cat dealer repair
  • $1,000 deductible for all equipment except logging ($5,000)
  • Unlimited mileage up to $2,500 for transportation of insured equipment for repairs
  • Equipment rental costs up to $2,500 after a covered loss
  • Up to $100,000 of coverage for damage to replacement rental equipment
  • Fire department service fees up to $5,000
  • Debris removal up to $10,000
  • Deductible waivers for qualifying anti-theft or automatic fire suppression system

Coverage for All Your Machines

You deserve the best coverage for your machines, regardless of the manufacturer. That's why we offer physical damage insurance for all your equipment, including trailers and attachments, with enhanced coverage for fleets.

COVID-19 Notice

If you are experiencing financial hardship as a result of COVID-19 and would like to request an accommodation for policy payments, please contact Caterpillar Insurance Company at 1-800-248-4228 ext. 5754.  Or if you prefer you can send an email to and type in “COVID-19 Payment Accommodation Request” in the subject line.  Please include your name and policy # as it appears on your policy, along with your contact information.


Contact Us

Connect with our physical damage insurance experts to learn how we can support and protect your business.

Contact Us


Commercial General Liability Insurance

Let us help protect you from the negative effects that a construction site incident can have on your projects or your financial position.

Commercial General Liability Insurance offers your business the following protection:

  • Physical/bodily injury to others
  • Damage to the property of others
  • Personal and advertising Injury
    • Malicious prosecution and wrongful eviction
    • Slander and libel
    • Copyright infringement and use of other’s advertising ideas

Why Buy Commercial General Liability Insurance?

Take advantage of our convenient “one stop shop” for all your insurance and financing needs with the ability to purchase Commercial General Liability Insurance, along with our other products. In many cases, this type of insurance is required when purchasing, renting or leasing a machine, working as a subcontractor, or it may be a requirement for some finance agreements.

Additional Coverages Available

  • Aggregate limits per location
  • Blanket additional insureds – ongoing operations
  • Construction projects – aggregate per project
  • Damage to premises rented to you
  • Newly formed or acquired organizations
  • Non-owned watercraft
  • Primary and noncontributory
  • Waiver of transfer of rights required by written contract
  • Data security
  • Contractors errors and omissions


We've got you covered with commercial general liability insurance
We've got you covered
Protecting your business is a cornerstone to your success. Let us help protect you from the negative effects that a construction site incident can have on your projects or your financial position.

Contact Us

To learn more about commercial general liability insurance coverage for your operations, contact us at 1-800-248-4228 or send us an email.



Explore More Solutions for Your Business


Equipment Financing & Leasing
Equipment Financing & Leasing

Learn more about Cat Financial's exciting options to acquire the heavy equipment your business needs without making a purchase, whether you want to loan equipment, finance equipment or lease equipment.
Current Offers
Current Offers

Get in touch with your local Cat equipment dealer to learn more about promotions available to you.
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