Westchester’s Contractors Equipment insurance offers an extensive group of additional features is built into the risks of direct physical loss coverage form -- including expendable supplies, expediting expense, recovery, and fire equipment recharge expense – and the valuation is replacement cost.  Combined with optional coverages such as rental expense, leased or rented equipment, and employees' tools, in addition to an array of endorsements, the form can be tailored to fit most contractor needs. There is also a specialized coverage form for mobile equipment, and waterborne and underground exposures can be covered. Coverage is available on an admitted or non-admitted basis.