Business Auto — Rig Trucks for spray foam rigs

It covers liability when employees drive their own vehicles (or rented vehicles) on business errands for your operation. If they have an accident driving to pick up materials or deliver equipment, your operation faces liability without this coverage.

The auto policy covers the truck and trailer liability — not the equipment in the trailer. The proportioner, hose, and spray guns need inland marine. We coordinate both so the truck and the rig are both covered in one program.

Commercial auto covers the vehicle on and off the road. It doesn't cover the truck as property while parked at a jobsite (that's inland marine). Loading and unloading liability is an auto coverage that addresses incidents during equipment transfer at the jobsite.

Cost is driven by proportioner value, hose footage, rig truck details, crew size, and loss history. We quote your specific rig in about 15 minutes — never a generic estimate.

Yes. Contractors Choice Agency is licensed in all 50 states and writes spray foam rig programs nationwide — Texas, Florida, the Midwest, Southeast, Northeast, and everywhere spray foam contractors operate.

Typically 15 minutes on a call. We need proportioner make/model/value, hose system details, rig truck info, crew size, and loss history.

Often yes. We have specialty and E&S markets for rig operators with prior theft, equipment damage, or loss history. Bring us your situation and we'll find a market.

Usually yes. A coordinated program — inland marine, breakdown, auto, GL, CPL — closes gaps between policies and is typically more cost-effective than separate policies from separate carriers.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place rig coverage with A-rated carriers so the coverage is there when a theft, breakdown, or rig-truck claim hits.

Yes. We build scheduled inland marine programs for rig fleets, covering each unit at replacement cost with coordinated auto and breakdown coverage.

Yes. Inland marine follows the rig; commercial auto coordinates across states. We build programs so your rig is covered wherever it operates.

Proportioner make/model/year/value, heated hose footage, spray gun count, trailer or truck-mount, rig truck year/make/model, crew size, types of jobs, states you work in, current coverage, and loss history.

Under a properly written inland marine policy with theft coverage, yes. We confirm the form covers theft from storage — not just theft from active jobsites.

It should — proportioner, heated hose, spray guns, drum heaters, and the trailer. We schedule every component at replacement cost so a loss on any part of the system is fully covered.

Yes for most rig operators. A proportioner compressor failure without breakdown coverage is a major out-of-pocket expense. Breakdown coverage is relatively inexpensive compared to the cost of a proportioner repair.

Yes. Financed rigs need replacement-cost inland marine with the lender named as loss payee. We set up the program to meet lender requirements.

Yes — typically same-day for standard requests. General contractor and project-owner requirements are routine for us.