Inland Marine Insurance for Residential Roofing Contractors
Inland marine insurance protects your roofing tools, equipment, and materials while they are in transit or stored at job sites away from your permanent location. Standard property policies only cover items at your listed premises, leaving thousands of dollars in nail guns, compressors, and generators unprotected at the homes where you work.
What It Covers
Inland marine covers your portable tools and equipment against theft, vandalism, fire, and accidental damage whether they are on your truck, at a job site, or in temporary storage. This includes nail guns, air compressors, generators, safety harnesses, ladders, and specialty tools like metal brakes or slate cutters. Coverage applies anywhere within your operating territory.
What It Does Not Cover
Inland marine does not cover normal wear and tear, gradual deterioration, or mechanical breakdown of equipment. It excludes tools left unsecured in an open truck bed in most cases, losses due to employee dishonesty (that requires a crime policy), and materials that have already been installed on a structure. Vehicles themselves are excluded.
Real Claim Examples
Thieves break into a locked job-site trailer overnight and steal $28,000 worth of nail guns, a generator, and a shingle hoist. A compressor falls off a truck bed during transport and is destroyed. A metal brake stored at a job site is damaged beyond repair when a storm topples a tree onto the equipment staging area.
How Much It Costs
Inland marine premiums for residential roofers typically run between $800 and $3,000 per year depending on the total value of equipment scheduled on the policy. Most policies carry a small deductible of $250 to $1,000. Contractors with over $100,000 in portable equipment should expect premiums in the $2,000 to $4,000 range.
Why Work With Us for This Coverage
A roofing-specialist agency ensures your inland marine schedule accurately reflects the replacement cost of specialized roofing equipment. We know which carriers offer blanket coverage options that automatically cover newly purchased tools without requiring you to call in every addition.
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