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Mobile equipment coverage is specifically designed to insure vehicles and equipment that are not licensed for highway use, which includes various types of construction and agricultural equipment. This type of coverage recognizes that these vehicles, while potentially large and valuable, do not operate on public roads and therefore fall outside the realm of traditional auto insurance.

The primary purpose of mobile equipment insurance is to provide protection against physical damage and liability associated with the operation of these specialized vehicles. This may include bulldozers, backhoes, earthmovers, and other machinery commonly used in industry settings. Such coverage ensures that businesses can protect their investments in equipment without needing to adhere to the restrictions and regulations applicable to standard road vehicles.

In contrast, vehicles used exclusively for personal travel, motorcycles, RVs, and personal vehicle theft protection fall under different coverage types. Each of these categories is managed according to specific insurance requirements and risks, distinct from those associated with mobile equipment.