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Physical Damage Insurance

Construction Equipment

Physical Damage Insurance

Service Technician

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 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.

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 with two of 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.

CNH Industrial

CNH Industrial Insurance

CNH Industrial Insurance Agency and AmTrust Financial Services has been offering insurance and equipment protection products for CASE Construction dealers and their retail customers for more than 20 years. All products are underwritten by licensed insurance companies. The agency is dedicated to meeting the needs of Groff Tractor and their customers including customer service and claims through a single point of contact designed to service all of your insurance needs.

EPG Insurance

EPG Insurance

At EPG Insurance, we are committed to doing everything we can to get you back to working the job as soon as possible. The EPG Insurance program offers fast claims service and equitable settlements.  Settlements are based on the actual cash value of equipment or the cost to repair the machine at the time of the loss.  Multiple deductibles are available to suit your specific needs.

PDI Benefits & Coverages:

Key Benefits:

Premiums can be financed on retail installment contracts or lease agreements (retail contract).
There are no complicated forms to complete.
Coverage is available immediately for eligible equipment.
Premiums will not change for the length of the policy term.

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
Provided by knowledgeable professionals who understand the equipment business.

Groff Tractor can help meet all of your heavy equipment needs.

Covered Perils Include, But Are Not Limited To:

  • Collision
  • Theft
  • Earthquake
  • Hail
  • Overturn

  • Wind
  • Fire
  • Vandalism
  • Flood
  • Tornado

Coverage Extends To:
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.

Eligible 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.

Not Eligible for Retail and Direct PDI Coverage:
  • 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