What Is Riggers Liability Insurance? An Overview for the Uninitiated

As a rigger, your job entails inherent risks that could expose you and your company to costly legal liability. You maneuver heavy equipment and cargo… As a rigger, your job entails inherent risks that could expose you and your company to costly legal liability. You maneuver heavy equipment and cargo,…

As a rigger, your job entails inherent risks that could expose you and your company to costly legal liability.

You maneuver heavy equipment and cargo, often at great heights, requiring precision and skill.

Any mistakes could lead to damage of property or injury.

To protect against potential lawsuits and unforeseen costs from such incidents, you need riggers liability insurance.

This specialized coverage shields rigging contractors and companies from financial loss due to legal liability arising from rigging operations.

Policies typically cover costs associated with bodily injury, property damage, and accidents that occur on the job site or during transit.

Riggers liability insurance gives you peace of mind that your business and personal assets are protected if faced with a claim due to a rigging mishap.

For those new to rigging, the variety of insurance options can seem complicated.

However, understanding the basics of riggers liability insurance does not have to be difficult.

This overview will walk you through the key details of policy types, costs, coverage limits, and exclusions so you can find an affordable plan that meets the unique needs of your rigging business.

Prepare to gain insight into how riggers liability insurance works and why it is essential for your operations.

What Is Riggers Liability Insurance?

Riggers liability insurance provides protection for rigging contractors in the event that their work results in damage to equipment or property, or causes injury.

As a rigger, your job involves moving and installing heavy equipment and machinery, so there are many risks involved that could lead to costly claims or lawsuits.

Riggers liability insurance helps ensure you are covered financially in these scenarios.

Riggers liability insurance typically provides coverage for:

  1. Property damage: If equipment or property is damaged during a rigging job, insurance can help pay for repairs or replacement.

    This could include damage to the equipment being moved, the building structure or components, or vehicles.

  2. Bodily injury: If a person is injured or killed as a result of rigging operations, insurance can help pay for medical expenses, legal costs, and settlement or court awards.

    This includes injuries to employees, clients or third parties.

  3. Legal defense: Insurance will help pay for legal defense costs if a lawsuit arises from a rigging job, even if the allegations are found to be groundless.

    Lawsuits can be extremely expensive to defend against, so this coverage is important.

To secure riggers liability insurance, you will need to provide details about your rigging operations including the types of equipment you move, maximum load weights, number of employees, and annual revenue.

The more risks involved with your jobs, the higher your insurance premiums are likely to be.

Riggers liability insurance gives you essential financial protection so you can focus on your work, not what could go wrong.

With the right coverage and carrier, you’ll have peace of mind that you’re prepared for any scenario.

Why Riggers Need Specialized Insurance Coverage

As a rigger, your work involves high-risk activities like hoisting, moving, and securing large equipment or structures.

To protect yourself and your business, you need coverage that addresses your unique exposures.

General liability insurance is not enough

While general liability insurance covers some risks, it will not provide coverage for the specialized equipment and complex operations in your line of work.

Rigging involves expensive equipment, heavy machinery, and safety risks that standard policies do not account for.

You need coverage for your tools and equipment

Rigging equipment like hoists, slings, ropes, and hardware represent a major investment and are subject to wear and tear over time.

Riggers liability insurance provides coverage for damage to or loss of your equipment.

It also covers the costs to rent replacement equipment to fulfill job obligations.

You need higher liability limits

The large sizes and weights involved in rigging jobs mean higher potential liability costs in the event of an accident.

Riggers liability insurance provides higher liability limits, often in the millions of dollars, to protect against potentially catastrophic claims related to equipment failure, dropped loads, or other incidents.

You need coverage for specialized risks

Riggers liability insurance is designed specifically for your industry and covers risks like:

  • Equipment overturn or collapse

  • Dropped or improperly secured loads

  • Crane or hoist failure

  • Foundation or support failure

  • Flood or environmental damage to equipment

To safeguard your business, employees, clients, and community, riggers liability insurance is essential.

Make sure you work with an insurance agent experienced in providing coverage for rigging and crane operations.

They can help determine appropriate policy limits and optional coverages based on the specifics of your business.

What Riggers Liability Insurance Typically Covers

Riggers liability insurance provides coverage for rigging contractors in the event of damages or injuries resulting from rigging operations.

This specialized insurance protects rigging companies and their employees in several key areas:

Bodily Injury and Property Damage

Riggers liability insurance covers the costs associated with any bodily injuries or property damage caused by rigging activities.

For example, if a load being hoisted by a crane slips and falls, damaging equipment or injuring workers, the policy would help pay for medical bills, legal costs, and any repairs needed.

Contractual Liability

Many rigging contracts require a certain amount of riggers liability coverage.

This insurance satisfies those obligations and protects the contractor in the event a client sues for failure to meet contractual requirements.

The policy defends the insured and covers damages up to the policy limit.

Errors and Omissions

Rigging operations require a high degree of skill and precision.

Riggers liability insurance protects against claims of improper rigging procedures or negligent acts, mistakes, or oversights.

If a load is hoisted incorrectly or a crane is set up improperly according to industry standards, the insurance can cover resulting losses.

Defense Costs

Even if a claim against a rigging company is groundless, frivolous, or fraudulent, legal defense costs can be substantial.

Riggers liability policies cover attorney fees, court costs, and other legal expenses up to the policy limit, even for unfounded claims.

In summary, riggers liability insurance shields rigging contractors and crane operators from the potentially significant costs associated with property damage, bodily injury, contractual liability, errors and omissions, and legal defense.

With the specialized coverage and higher policy limits this insurance provides, rigging companies can focus on their operations with greater confidence and peace of mind.

Additional Riggers Insurance Options to Consider

As a rigger, there are additional insurance options beyond general liability coverage that you may want to consider to fully protect your business.

Riggers Equipment Insurance

Equipment insurance covers the machinery and tools you use in your rigging operations, such as cranes, hoists, ropes, and harnesses.

If your equipment is damaged or destroyed in an accident, this insurance will reimburse you for the costs to repair or replace it.

Riggers Tools Insurance

In addition to large equipment, riggers tools insurance protects smaller tools like wrenches, drills, levels, and ropes.

While less expensive pieces of equipment, these tools are essential to your rigging work and can add up significantly if lost or damaged.

Tools insurance provides coverage for theft, loss, or damage of these important resources.

Commercial Auto Insurance

As a rigger, you likely use heavy commercial vehicles to transport equipment and materials to job sites.

Commercial auto insurance covers trucks, vans, and other vehicles used for business purposes.

It protects against liability claims if one of your vehicles is involved in an accident, as well as providing coverage for damage to your own vehicles.

Workers Compensation Insurance

Workers compensation insurance provides medical care and lost wage benefits for employees who are injured on the job.

As an employer, workers compensation is legally required in most areas.

It protects both you and your employees in the event of work-related accidents.

Umbrella Insurance

Umbrella insurance provides excess liability coverage above and beyond the limits of your general liability and other policies.

It protects against catastrophic losses that could exceed the coverage amounts of your primary policies.

For rigging businesses that take on large, complex jobs, umbrella insurance is a prudent way to mitigate risk.

By bundling multiple policies together, you may be eligible for a package discount from your insurance provider.

Discussing your options with an commercial insurance broker is a good way to make sure you have adequate, cost-effective coverage for your rigging operations.

How Much Does Riggers Liability Insurance Cost?

Riggers liability insurance protects rigging contractors and their employees in the event of an accident or injury.

The cost of a policy depends on several factors, including:

Business Size and Revenue

The more employees and higher the revenue of a rigging business, the higher the premiums.

More employees and projects mean increased risks and potential claims, so insurance companies charge higher rates.

Services Offered

Rigging businesses that handle highly technical or dangerous jobs like crane operation, equipment hoisting or work at extreme heights will pay higher premiums due to the increased risks.

Businesses focused on basic rigging and material handling will have lower rates.


Rigging businesses located in areas with higher costs of living and wages will typically pay higher premiums.

Urban areas also come with additional risks like traffic and congestion that rural or suburban businesses do not face.

Safety Record

Rigging businesses with a proven track record of safety, proper training, and lack of past claims or violations will qualify for lower rates.

Businesses with a history of accidents, injuries or OSHA violations will be considered higher risk and pay more.

Maintaining strong safety standards and procedures is key to keeping premiums low.

Deductibles and Coverage Limits

Higher deductibles, lower coverage limits and less comprehensive policies mean lower premiums.

Businesses should analyze their risks and needs to determine appropriate levels of coverage.

Skimping on coverage to save money could be costly if a major claim occurs.

On average, riggers liability insurance costs between $3,000 to $10,000 per year for a small to mid-sized rigging business.

Rates will vary significantly based on the factors above.

Businesses should get multiple quotes from reputable insurers that specialize in rigging and crane operations to find the best balance of coverage and cost.

Reviewing policies in detail is critical to understanding what each quote includes and the risks that remain the responsibility of the business.


To summarize, riggers liability insurance provides coverage for legal liabilities arising from errors, omissions, and negligent acts in rigging work.

As a rigger, your work involves maneuvering heavy equipment and cargo, so there are inherent risks of property damage or bodily injury if something goes wrong.

Riggers liability insurance protects you and your business in these scenarios.

While the premiums can seem expensive, the potential costs of a single claim far outweigh them.

Rigging work is complex and requires extensive training and experience to perform safely.

However, accidents happen and riggers liability insurance provides financial security when they do.

For peace of mind and to safeguard your business's future, riggers liability insurance is an absolute must-have.

Though you strive to uphold the highest safety standards, unforeseen events can occur - and you need to be prepared.

With the right coverage in place, you can focus on your work knowing you have protection from financial hardship in the event of a claim.

Your livelihood and business depend on managing risks, and riggers liability insurance allows you to do so confidently.

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