Cat^® Equipment Protection Plans: Coverage & Finance Options

Is an Equipment Protection Plan worth the investment? Here’s a closer look at coverage options for your Cat equipment and how you can finance them.

EQUIPMENT PROTECTION PLANS: PEACE OF MIND IS PRICELESS

A Cat Equipment Protection Plan provides coverage beyond the standard machine warranty for parts and labor. It protects you from unplanned repair costs caused by occasional defects in Cat material or workmanship. Add a Cat EPP to your machine and you can:

• Lower the risk of downtime — your Cat dealer handles covered repairs

• Hedge against inflation — you lock in parts and labor costs right now

• Stay on budget — you convert the variable cost of repairs into a standard budget item

• Increase peace of mind — you mitigate some of the risk that comes with operating equipment

You can purchase an EPP from your local Cat dealer. Finance the cost along with your equipment loan or lease and make just one monthly payment. Or you can pay for an EPP with your Cat^® Card and earn rewards*. 

IS AN EQUIPMENT PROTECTION PLAN THE SAME AS AN EXTENDED WARRANTY?

We don’t call an EPP an extended warranty, but the idea is similar. New Cat machines come with a Caterpillar Limited Warranty** that covers parts and labor costs for 12 or 24 months (or a specific number of operating hours). What happens if an issue arises after that warranty expires? If you’ve added a Cat EPP, your costs for covered components could be taken care of. Terms and conditions apply. Contact your local Cat dealer to learn more about covered components.

WHAT DOES A CAT EQUIPMENT PROTECTION PLAN COVER AND FOR HOW LONG? 

Coverage and terms depend on your plan. There are levels of coverage to align with the way you use your equipment and your budget. Unlike some extended warranties, there’s no deductible with a Cat EPP, no matter which option you pick. 

For new Cat machines, an EPP starts with powertrain coverage. It covers more than 50 components, including engine, transmission, drive train, steering, braking and electronic components. From there, you can move up to Powertrain + Hydraulics or Powertrain + Hydraulics + Technology. Premier coverage is also available for new machines and has the same coverage as Powertrain + Hydraulics + Technology, while also covering certain electrical and structural components.

IS AN EQUIPMENT PROTECTION PLAN JUST FOR NEW CAT EQUIPMENT? 

No. You can also add a Cat EPP to: 

• Used Cat machines 

• Cat Certified Used machines  

• Cat Certified Rebuilds: machines, powertrains, machine components and hydraulics 

• Cat work tools and attachments 

• Cat dealer rebuilds 

CAN I ADD AN EQUIPMENT PROTECTION PLAN TO RENTAL EQUIPMENT? 

Equipment you rent from your Cat dealer or The Cat Rental Store may already be covered by an EPP. That’s a good question to ask as you go through the equipment rental process. Talk to your dealer to see what coverage options are available to ensure your machine is protected. 

IS AN EPP THE SAME AS PHYSICAL DAMAGE INSURANCE?

No. Physical damage insurance (sometimes called contractor’s equipment insurance) is a separate type of equipment protection. It’s available from your Cat dealer or through Cat Financial.  While an EPP protects you from covered defects in Cat material and manufacturer workmanship, physical damage insurance covers the cost of equipment loss or damage due to fires, floods, vandalism, theft or collisions. 

Physical damage insurance also provides “gap” coverage if you owe money on a damaged machine’s loan at the time of the loss. It may also reimburse you for rental equipment while yours is being repaired or replaced.