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I own a construction business. The cost of insuring the crane for my own use isn't that great. The actual numbers? I don't really know..a few grand a year I think. Whenever I had it insured, one thing I found interesting was, the lady told me it was covered as long as it wasn't overloaded. I was quick to tell her, Almost ANY accident I'd have with the crane, is because it's over loaded. Her response?...As long as you don't pick up over 50 tons. Seems she doesn't understand the principals. Finally after much discussion and a phone call or two, we had to add additional insurance to cover the boom itself from overload."For Hire" work. That's a different story. Tens or hundreds of thousands, and VERY high deductables.
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