Contractor Equipment & Tools Coverage
A spray foam rig is a major investment—a proportioner, transfer pumps, hoses, generators, and a trailer or truck can represent tens of thousands of dollars. Contractor equipment coverage (inland marine / floater) protects that gear against theft, fire, vandalism, and accidental damage wherever it is, and equipment breakdown coverage adds protection when high-pressure, high-temperature machines fail. Standard auto coverage does not protect the equipment inside the trailer—this does.
What's Covered
- Spray foam proportioners and reactors scheduled by serial number
- Transfer pumps, hoses, and spray guns
- Generators, compressors, and small tools
- Theft, fire, and accidental damage—on site and in transit
- Equipment breakdown coverage available
- Replacement cost options
- Newly acquired equipment grace period
- Trailer and rig coverage coordination
Common Scenarios
- →A proportioner is stolen from a locked trailer overnight
- →A high-pressure pump fails and needs costly repair
- →Hoses and guns are damaged mid-job
- →Equipment is damaged in transit between sites
Typical Limits
Scheduled equipment values; inland marine blanket to your fleet size
Get a Quote for Equipment & Tools
Our specialists will review your operation and match you with the right markets—within one business day.
Request Free QuoteOther Coverages
Commercial General Liability
The foundation policy for every spray foam contractor—covers third-party bodily injury and property damage arising from your operations.
Pollution Liability
The coverage spray foam contractors can't skip—polyurethane foam is a classified pollutant, and standard CGL excludes pollution claims.
Commercial Auto
Cover the trucks, vans, and trailers that carry your spray foam rig—liability on the road plus physical damage to your vehicles.