Black Bear will assist you in evaluating whether this coverage is important to your business. The floater will cover a contractor on an all risk or named perils basis for loss to all types of tools, machinery, and equipment owned, rented or borrowed by the insured. Neither the commercial property or commercial auto provide the extensive coverage that can be obtained under this policy. Please contact an agent in our office today for a free no obligation consultation and premium indication that will let you know if this coverage is right for your business.