Individuals in the business of selling construction equipment and mobile equipment should be insured with which form?

The Equipment Dealers Coverage Form is specifically designed to address the unique risks faced by businesses that sell construction and mobile equipment. This form provides specialized coverage that includes protection for physical damage to the equipment itself as well as liability coverage for accidents that may occur during the sale or operation of that equipment.

In this context, the Equipment Dealers Coverage Form is essential because it not only covers the inventory of equipment but also includes coverage for products liability, which is critical for businesses that may be held liable for injuries or damages caused by equipment they sell. This tailored approach ensures that all aspects of the business operations related to equipment sales and service are comprehensively protected.

On the other hand, Commercial General Liability forms provide broader liability coverage but do not specifically cater to the nuances of equipment sales and service. Business Owners Policies, while useful for small businesses, might lack the specialized coverage that is crucial for equipment dealers. Finally, Commercial Property Coverage generally focuses on insuring physical assets against loss or damage but does not necessarily encompass the specific liability and operational risks associated with selling construction and mobile equipment. Thus, the Equipment Dealers Coverage Form is the most appropriate choice for individuals in this business sector.