It is one thing for a logging contractor to have a wildfire erupt on his block while harvesting, and to suffer an equipment loss in that process. That loss could happen merely because the equipment is there. It could happen while the contractor uses his equipment to fight that fire. Most fire insurance will cover that loss.
It is quite another thing to take equipment into harm’s way, by bringing it to a fire in order to fight it. Almost certainly the contractor’s ordinary insurance...