Originally Posted by Landscape Poet
That sucks but there is a reason you should have inland marine insurance and not just General Liability at the very min.
This is also why when shopping for insurance you should be concerned with wore than what the policy will cost. When I was getting quotes I also requested documentation of payout time frames for major theft, fire to shop, accidents, etc, that could lead to the loss a large per engage of equipment. Something that is crucial in our industry. The policy I have allows me rental coverage of the same or better equipment, while settleing a lose. The rental on small equipment extends one week past the date the insurance payment is made to allow me time to shop for equipment. On large equipment and trucks the rental extends 2 weeks after I receive the insurance payment.