The physical damage specialist for large equipment. Agricultural, construction, industrial, recreational, trailers — property-only coverage when a personal or commercial lines policy won't cover the equipment or won't cover it separately.
Equipment Insurance International (EII) is a specialty MGA based in Fayetteville, North Carolina, that has focused exclusively on physical damage insurance for large equipment since its founding. EII's programs are underwritten by carriers rated A+ (Superior) by AM Best — the highest possible rating. Their product covers agricultural equipment, commercial and construction equipment, industrial equipment, recreational vehicles, trailers, and ATVs/UTVs, with deductibles available as low as $200 and a simplified enrollment process with no production requirements for agents.
EII's coverage is physical damage only — no liability. This distinction is critical. EII covers the cost of repairing or replacing equipment that is stolen, damaged in an accident, or lost to a covered peril. It does not cover bodily injury or property damage that the equipment causes to third parties. For clients who need both physical damage and liability coverage for their equipment, physical damage goes to EII and liability coverage is handled through a separate commercial or personal lines policy.
Erik Roti places clients with EII for large equipment that falls outside the scope of personal lines coverage (too large, too specialized, or specifically excluded) or that needs to be insured separately from a commercial policy (owned personally, financed separately, or operated in a context where bundling with commercial lines creates complications). EII's competitive rates, low deductibles, and easy enrollment make the placement straightforward once the coverage need is identified.
What makes EII the right tool for large equipment physical damage coverage.
EII covers a wide range of equipment classes: farm tractors, combines, and other agricultural equipment; construction equipment including excavators, loaders, and cranes; industrial equipment; recreational vehicles; trailers of all types; and ATVs/UTVs. For clients with large equipment that falls outside personal lines coverage limits or that is too specialized for standard commercial markets to value accurately, EII has the appetite and underwriting expertise to cover it properly.
Erik's experience with EII has been consistent: competitive rates and low deductibles. Physical damage on large equipment can be expensive elsewhere. EII's MGA model and specialized underwriting allow them to price the risk accurately — which typically means lower rates than general market carriers writing the same equipment as an incidental class. The $200 minimum deductible is notably low for equipment insurance, which often carries $500-$1,000 minimums in other programs.
EII's underwriting process is described as relaxed and straightforward. No production requirements means agents don't need to hit volume thresholds to maintain access. The simplified enrollment process and easy payment options make new placements fast. EII processes all claims in-house through licensed physical damage personnel — which contributes to consistent, efficient claims handling rather than the variability of third-party claims administrators.
EII's programs are underwritten by A+ AM Best carriers — the highest possible financial strength rating. All claims are handled directly by EII's licensed physical damage personnel, not outsourced to third-party adjusters. For equipment claims that often involve specialized valuation knowledge (what is a 2018 John Deere combine worth after a PTO shaft failure?), having claims handled by specialists rather than generalists is a meaningful quality difference.
No carrier is perfect. Here are the honest trade-offs to know before placing equipment with EII.
EII covers damage to the equipment, not damage the equipment causes to others. Separate liability coverage is required for equipment operations. We coordinate physical damage through EII and liability through commercial or farm policies.
EII is a program administrator backed by A+ AM Best carriers. The specific underlying carrier may vary by program. We confirm the underlying carrier for clients with specific lender or contract requirements.
EII is built for large, specialized equipment. Not the right tool for standard personal property or everyday commercial contents. The value is specifically for high-value equipment outside normal personal or commercial property coverage.
Here's who needs EII — and when physical damage coverage on equipment makes sense separate from other policies.
"EII has competitive rates, a low deductible, and is easy to work with. When a client has large equipment that won't fit under their personal lines policy or needs to be covered separately from their commercial program, EII is the first call. The physical-damage-only focus keeps it simple and the pricing is consistently competitive."
— Erik Roti, Personal Lines Agent, Options Insurance
Already a Equipment Insurance International client through Options Insurance? Here are the resources you need.
EII handles all claims in-house through licensed physical damage personnel. All business transactions are processed directly from EII's office — no third-party claims administrators. Your Options Insurance agent can help coordinate the claim reporting process.
EII's office handles all service directly. For most policy and coverage questions, Erik manages EII relationships directly and can resolve most issues through the agent relationship.
EII's agent portal for quoting, binding, and managing equipment physical damage policies. Erik uses this portal for all EII placements — the enrollment process is straightforward and designed to minimize the information required to bind coverage.
EII's full list of covered equipment types — agricultural, commercial and industrial, recreational, and trailers. If you have equipment that needs physical damage coverage and aren't sure if EII covers it, Erik can check the appetite and get a quote quickly.
Erik is Options Insurance's lead agent for EII placements. He reaches for EII when a client has large equipment that personal lines won't cover adequately or that needs to be insured separately from a commercial policy. "Competitive rates, low deductible, easy to work with — EII is the first call for equipment physical damage."
Tell us a little about what you need. One of our agents will follow up — usually same business day.
No obligation. We'll confirm EII has appetite for your equipment and get you covered fast.
We'll confirm EII has appetite for your equipment and get you competitive physical damage coverage quickly.
Start Your Free Quote →The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance is appointed with Equipment Insurance International as an independent agent. This review is not sponsored, approved, or endorsed by EII. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. Equipment Insurance International is a managing general agency. Coverage is underwritten by carriers rated A+ (Superior) by AM Best. Physical damage coverage only — no liability. Coverage availability and terms vary by equipment type and location. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.