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Insurance & Bondingaka: blanket coverage

Blanket Policy

In Plain English

One insurance policy that covers multiple projects or locations instead of separate policies for each.

Definition

A blanket insurance policy provides coverage for multiple locations, projects, or items of property under a single policy with one aggregate limit. In construction, blanket policies are used to cover tools, equipment, or property at various jobsites without requiring separate policies for each. This approach simplifies administration and ensures coverage follows the contractor's work wherever it is performed.

Example

A large mechanical contractor uses a blanket equipment floater policy to cover tools and machinery at all of its active jobsites simultaneously.

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