Tools, Equipment & Inland Marine for debris haulers
Inland marine covers the tools, equipment, loaders, trailers, and roll-off containers that move between job sites — including theft, fire, collision, and damage — scheduled at replacement cost. Property that a standard property or auto policy was never built to handle.
What it covers
- Tools and gear stolen or damaged on jobsites
- Loaders, skid steers, and excavators used in hauling
- Trailers and dump trailers
- Roll-off containers scheduled as equipment
- Equipment in transit between jobsites
- Repair or replacement at replacement cost
Who it's for
- Haulers with significant investment in equipment and containers
- Operations storing gear at multiple yards or jobsites
- Roll-off operators with a box fleet
- Any hauler whose equipment moves between locations
Why CCA
- Equipment scheduled at replacement cost — not ACV
- Coordinates with auto so trucks and towed gear are both covered
- Coverage for equipment in transit, not just at a fixed location
Common questions about tools, equipment & inland marine
Inland marine covers tools, equipment, roll-off containers, loaders, trailers, and other gear that moves around job sites — including theft, fire, collision, and damage. It covers property that a standard property or auto policy was not built to handle.
Owned trailers can be scheduled on auto for liability and physical damage, but roll-off containers and other equipment left at job sites are typically an inland marine matter. We coordinate both so everything is covered wherever it sits.
Yes — theft of scheduled tools and equipment from a job site, truck, or yard is covered under inland marine subject to the deductible and schedule. We schedule equipment at replacement cost and can add coverage for equipment in transit.
Yes. Loaders, skid steers, excavators, and other heavy equipment used to load or process debris can be scheduled under inland marine. We value the equipment at replacement cost so a loss does not leave you underinsured.
Commercial property covers buildings and contents at a fixed location. Inland marine covers property that moves — tools, equipment, containers, and gear that travel between job sites. A debris hauling business typically needs inland marine, not commercial property.
Inland marine is typically priced as a percentage of the scheduled equipment's value, with rate driven by the type of equipment, where it is stored, and loss history. Scheduling accurate values keeps the premium fair and the claims paid in full.
Cost is driven by fleet size and truck value, driver MVRs, radius of operation, cargo type, payroll, equipment value, and loss history. We quote your actual operation in about 15 minutes — never a generic ballpark from a standard business form.
Yes. Contractors Choice Agency is licensed in all 50 states and writes programs for junk haulers, dump truck operators, roll-off contractors, and storm-debris crews nationwide.
Typically about 15 minutes on a call. Larger fleets or higher-hazard operations may take a day or two to place with the right specialty markets, but we move fast and set expectations up front.
Often yes. We have admitted and E&S markets for haulers declined over new MC authority, prior accidents, a DOT recordable, or class-of-business issues. Bring us your situation and we will find a market.
Usually yes. A coordinated program closes gaps between policies, is typically cheaper than separate policies from separate carriers, and is far easier to manage at renewal and claim time.
A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A.M. Best A+ where possible) carriers so the coverage is there when a serious truck accident, injury, or pollution claim hits.
Yes. Storm-debris work introduces amplified exposures and contract requirements — higher limits, additional insureds, and FEMA or municipal endorsements. We add the coverage and endorsements storm contracts demand.
Most GCs, property managers, and municipalities require at least $1,000,000 general liability and $1,000,000 auto liability, often with a commercial umbrella above it. We make sure your limits meet the contracts you actually bid.
Fleet list with VINs and values, driver list with license numbers and dates of hire, radius of operation, cargo types, payroll, current coverage and loss runs, and your MC/DOT number if you have one. The more detail, the more accurate the quote.
It can, with the right structure. If you cross state lines or haul for hire under interstate authority, we make sure your auto, liability, and cargo coverage follow you without gaps — including filings like MCS-90 where required.
Yes. Owner-operators running under their own authority need their own truck policy, while leased-on operators may be covered under the motor carrier's policy with a contingent or bobtail policy for off-duty use. We structure the right arrangement for how you actually run.
Yes. From a single truck to a fleet of dump trucks, roll-offs, and support vehicles, we build one coordinated program with shared limits, fleet credits, and a single renewal — far cleaner than a policy per vehicle.
Your auto liability responds up to the policy limit for bodily injury and property damage to others, and physical damage covers your truck subject to the deductible. If the claim exceeds your limits, a commercial umbrella responds above it — which is why limit sizing matters so much in this trade.
Yes. Foreclosure, estate, and hoarding cleanouts add exposure to biohazards, mold, and abandoned-property conditions. We structure GL, pollution, and workers' comp that account for the realities of cleanout work — not a generic junk-hauling policy.
Pair it with related coverage
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Get a 15-minute quote from specialists who understand debris removal — dump trucks, roll-offs, junk hauling, and the pollution exposure of demolition debris.