Inland Marine Insurance for Commercial Roofing Contractors
Inland marine insurance covers tools, equipment, and materials that move between locations or are stored at job sites. Commercial roofers carry hundreds of thousands of dollars in kettle equipment, welding rigs, generators, and material inventory that standard property policies won't cover once they leave your shop. This is how you protect assets that travel with the work.
What It Covers
Inland marine covers owned tools and equipment against theft, vandalism, fire, and accidental damage — whether in transit, at a job site, or in temporary storage. It protects hot-air welders, spray foam rigs, generators, compressors, safety harnesses, and any scheduled equipment. It also covers materials you've purchased but not yet installed, such as pallets of membrane or rolls of flashing stored at the project site.
What It Does Not Cover
Inland marine does not cover equipment breakdown from normal wear or mechanical failure — that requires a separate equipment breakdown policy. It excludes mysterious disappearance (unless specifically endorsed), damage from faulty workmanship, and typically won't cover items left unsecured in an open vehicle overnight without evidence of forced entry.
Real Claim Examples
Thieves cut the lock on your job site storage container and steal $45,000 in hot-air welding equipment and a generator. A trailer carrying $30,000 in standing seam metal panels is struck from behind at a stoplight, destroying the material. A roof-mounted crane tips during overnight high winds and crushes two spray foam proportioners worth $60,000.
How Much It Costs
Inland marine rates for commercial roofers typically run 1.5% to 3% of the total scheduled equipment value. A contractor with $200,000 in tools and equipment can expect to pay $3,000 to $6,000 annually. Higher limits, broader coverage territory, and theft-prone areas increase premiums.
Why Work With Us for This Coverage
We know exactly which equipment commercial roofers need to schedule and which carriers offer replacement cost without coinsurance penalties. Our clients avoid the gaps that come from generic inland marine forms written for general contractors who never leave the ground.
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