Permanently attached equipment (PAE) is equipment that cannot be readily removed from the truck or trailer. It is usually bolted or welded on to the unit.

It is important that you discuss whether or not the insurance will address the PAE as part of the commercial truck insurance or if it is to be listed separately on the Commercial General Liability (CGL) policy.

Some of the items that could be addressed this way include:

  • Air compressors
  • Balancing units
  • Carpet cleaning equipment
  • Computers
  • Cranes
  • Generators
  • GPS units (mounted in vehicle)
  • Ladder racks
  • Lift gates and kit
  • Lift kits
  • Logging equipment
  • Pressure washers
  • Shelving
  • Snow plows
  • Tool boxes
  • Welding units

If you are driving a cement mixer then the specialized equipment that is attached to your vehicle is not considered a piece of permanently attached equipment. The price of your cement mixer includes what makes it a cement mixer. Permanently attached equipment is added on to the value of the unit or listed separately.

If you failed to do so then you could find yourself without adequate insurance to replace your unit if there is a loss. Control your insurance. Know what you have. Ask questions and get answers.