What does "forklift coverage" specifically provide insurance for?

"Forklift coverage" specifically provides insurance for forklifts and similar vehicles used for business operations. This type of coverage is essential for businesses that rely on forklifts for material handling, whether in warehouses, manufacturing facilities, or construction sites. Forklifts can be expensive and are often critical to a company’s day-to-day operations, making it necessary to have insurance that protects against risks related to their use, such as damage to the vehicle itself or potential accidents involving the forklift.

By focusing on coverage for these vehicles, this policy addresses the unique risks and liabilities associated with their operation, rather than encompassing broader categories like general liability for heavy machinery or coverage for operators in employee accidents.