Inland Marine — Rig & Equipment for spray foam rigs
Inland marine insurance for the proportioner, heated hose, spray guns, drum heaters, and the trailer they ride in — scheduled at replacement cost against theft, vandalism, damage in transit, and accidental damage on the jobsite.
What it covers
- Proportioner and reactor unit — replacement cost
- Heated hose system — scheduled by footage
- Spray guns and wands
- Drum heaters and auxiliary equipment
- Rig trailer and transport equipment
- Theft off the jobsite, from a trailer, or in transit
Who it's for
- Any spray foam contractor with a rig (essential for all rig operators)
- Operations whose current inland marine is at ACV, not replacement cost
- Contractors who've had a rig theft claim pay less than expected
- Spray foam operations with multiple rigs or high-value proportioner systems
Why CCA
- Every component scheduled at replacement cost — not ACV
- Transit and jobsite theft both covered under one form
- Fast claim handling so a stolen rig doesn't halt operations for weeks
Common questions about inland marine — rig & equipment
A proportioner depreciates quickly in accounting terms but costs the same new. At ACV after 5 years, a $60,000 proportioner might settle for $30,000–$36,000. At replacement cost, you get the full $60,000 to buy a new one and get back to work.
Yes — heated hose footage is scheduled as part of the rig system. We schedule hose by footage and spray gun count so every component of the hose system is covered at replacement cost.
Inland marine covers theft, vandalism, fire, transit damage, accidental damage, and most external causes. It does not cover internal mechanical or electrical failure — that requires an equipment-breakdown endorsement.
The inland marine coverage is the same for the equipment; the auto coordination differs. Trailer-mounted rigs need the trailer scheduled; truck-mounted rigs need coordination with the commercial auto policy. We structure the program correctly for each mounting type.
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.
Pair it with related coverage
Ready to insure your spray foam rig at replacement cost?
Get a 15-minute quote from a specialist who understands spray foam rigs — proportioner and hose values, breakdown exposure, rig truck auto, and theft off the trailer.