Physical Damage Insurance

CONSTRUCTION EQUIPMENT

PHYSICAL DAMAGE INSURANCE

YOU’VE BOUGHT THE EQUIPMENT. NOW LET GROFF TRACTOR HELP YOU PROTECT YOUR INVESTMENT.

No matter what brand or where you purchased your equipment, Groff Tractor & Equipment can help you protect your equipment when the unexpected occurs. Physical Damage Insurance (PDI) provides coverage to repair or replace equipment in the event of direct physical loss or damage.

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INSURANCE YOU CAN TRUST

When it comes to buying insurance, you need someone you can trust and understands the conditions your equipment is put through on a daily basis. That’s why Groff Tractor partners the industry’s leading insurance providers. Our fully licensed Insurance Manager has the knowledge and expertise to ensure you get the right coverage you need. Call us today at (717) 591-3191.

PDI BENEFITS & COVERAGES:

FINANCING AVAILABLE

  • Premiums can be financed on retail installment contracts or lease agreements (retail contract).

SIMPLE ENROLLMENT

  • There are no complicated forms to complete.

NO WAITING PERIOD

  • Coverage is available immediately for eligible equipment.

GUARANTEED PREMIUM

  • Premiums will not change for the length of the policy term.

FLEXIBLE TERMS
Our insurance program offers terms of coverage for up to 60 months. This allows for you to match the insurance coverage to the term of your loan and protects your equipment from rising costs associated with annual renewals. Payment options include:

  • Upfront full (can finance this or pay cash, card or check)
  • Annual
  • Semi annual (2 times a year)
  • Quarterly

PROMPT CLAIM SERVICE

  • Provided by knowledgeable professionals who understand the equipment business.

ONE-STOP SHOPPING

  • Groff Tractor can help meet all of your heavy equipment needs.
  • Collision
  • Theft
  • Earthquake
  • Hail
  • Overturn
  • Wind
  • Fire
  • Vandalism
  • Flood
  • Tornado

REPLACEMENT COST BENEFITS

  • Provides a replacement benefit for most equipment types with an active loan or lease.

POLLUTANTS

  • Coverage of up to $10,000 per policy period is included to clean up or remove pollutants caused by a covered peril.

TIRES AND TUBES

  • Coverage is provided for the same perils as the rest of the equipment.
Most brands of agricultural and construction equipment are eligible for Retail and Direct PDI (Prior approval is required for any unit with a selling price greater than $500,000)

  • All Terrain Vehicles & Utility Vehicles (only if used in Agricultural applications)
  • Articulated Dump Trucks
  • Attachments (Hammers, Breakers, Augers, Diggers) when insured with eligible Major Units
  • Compaction Equipment
  • Cotton Strippers
  • Crop Production Equipment (Planters, Sprayers, Floaters, Manure Spreaders)
  • Cultivators
  • Dozers
  • Excavators
  • Forklifts, Rough Terrain
  • Graders
  • Harvesters, Grape / Sugar Cane
  • Hay & Forage Equipment (Balers, Windrowers)
  • Horizontal Directional Drills (HDD)
  • Land Levelers/Scrapers
  • Loader Backhoe
  • Mowers, Commercial
  • Planting & Tilling Equipment
  • Power Units / Generators
  • Self-Contained Cranes (Selling Price per unit must be under $250,000)
  • Skid Steer Loaders
  • Telescopic Handlers
  • Tractor Loaders
  • Tractors
  • Trailers (Livestock & Utility)
  • Trenchers
  • Tub Grinders – AG Use only (attachment type)
  • Chipper (non-forestry)
  • Wheel Loaders
  • Drum Rollers

The above list contains most common agricultural and construction equipment. Please contact Groff Tractor at (717) 591-3191 with any questions regarding eligible equipment not listed above.

  • Forestry/Logging Equipment or any equipment used in a forestry/logging application
  • Combines/Headers
  • Cotton Pickers
  • SP Forage Harvesters
  • Irrigation equipment
  • Trucks, Truck Trailers, Flatbeds or any units licensed for road use
  • Snowmobiles
  • Harvesting equipment used by custom harvesters, operators & cutters (Combines, Self-Propelled Harvesters, Cotton Pickers) are not eligible for Direct PDI coverage


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