Insurance built for the way a building material yard actually runs.
Fire on the stack yard. Forklifts in the lane. A delivery fleet on the road every day. Product you sell but didn't make. We package property, inventory, GL, workers' comp, fleet, and product liability into one program — written by a former contractor who knows the yard.
Licensed all 50 states · 20+ years · 15-minute quote turnaround · 2-hour claims response
Fire exposure
covered on the stack yard — not excluded
20+ years
insuring contractors & dealers
All 50 states
licensed and writing
15-minute quotes
15-minute quote turnaround
2-hour claims
2-hour claims response
A-rated markets
specialty admitted + E&S
A complete program for every exposure on the yard.
Eight coverage lines, structured as one program — so there are no gaps between property and inventory, no overlap between GL and product liability, and no argument between auto and inland marine when a claim lands.
20+ yrs
contractor insurance
A broker who has actually run a yard.
Most "contractor insurance" sites are written by people who have never set foot on a lumber yard. We have. That changes everything about how your program gets built.
Built by a former contractor
Josh Cotner ran crews before he ran an agency. We don't need a deck to understand your stack yard, your loading dock, or your delivery run — we've been on them.
One coordinated program
Property, inventory, GL, work comp, fleet, inland marine, product liability, equipment breakdown, umbrella — packaged together so the coverages don't fight each other at claim time.
Correct class codes & valuation
Dealer-tuned ISO codes (not generic retail), replacement-cost on stock (not actual cash value), and the outdoor-property endorsement that actually covers your yard.
15-min quotes, 2-hr claims
A real quote in about 15 minutes. A live human on a claim within 2 hours, 24/7. We are the broker that picks up the phone when a yard fire happens at 2am.
From quote to claim in four moves.
No 30-day back-and-forth. No call-center runaround. A program built by people who answer the phone.
Tell us about the yard
A 15-minute call or form submission. Inventory value, building value, fleet, payroll, product mix, loss history. We pull the basics we need to quote accurately.
We build the program
We structure all eight coverage lines as one program — class codes, valuation, outdoor property, fleet, product liability, umbrella — and shop A-rated specialty markets.
Bind & deploy
You see the options, pick what fits, and we bind. Certificates of insurance to your customers, evidence of coverage to your landlord — usually same day.
Claims & renewal
A claim hits at 2am, you call, a live human responds within 2 hours. We ride the claim to resolution and rebuild your program at every renewal as the yard grows.
0+
Years insuring contractors & dealers
0
States licensed
0 min
Quote turnaround
0 hr
Claims response SLA
Licensed in all 50 states.
Wherever your yard, distribution center, or delivery fleet operates, we can write the program. We've placed dealer coverage from the desert Southwest to the Gulf Coast to the Mountain West — and we quote in any state in about 15 minutes.
Write your dealer program nationwide.
Multi-location operations welcome. We coordinate coverage across state lines with consistent limits, definitions, and claims handling.
50
states licensed
24/7
claims reporting
844-967-5247
direct line
2 hr
claims response SLA
Yards and distributors who switched.
The common theme: their old carrier treated a lumber yard like a generic retail store. We don't.
“Our old carrier treated the lumber yard like a generic retail store. Contractors Choice Agency actually understood the fire exposure on our stack yard and built a property policy around it. Premium came in lower and coverage is dramatically better.”
Marcus T.
Owner, regional building supply yard
Texas
“We deliver to job sites all day. They packaged our commercial auto, inland marine, and GL together and caught a cargo gap our previous broker completely missed. Worth every minute of the switchover.”
Diane R.
GM, drywall & millwork distributor
Arizona
“The product liability piece was the eye-opener. Nobody had explained that we could be named on a defective-material claim for goods we didn't even make. They fixed that exposure in one renewal.”
Rick H.
President, hardware & fastener distributor
Florida
The dealer coverage questions we hear most.
Real answers, written by people who write dealer programs every day. Don't see yours? Call us — 844-967-5247.
A building material dealer typically needs a package built around its specific exposures: commercial property and inventory (the fire and stock exposure is the biggest single risk), general liability for premises and operations, workers' compensation for yard and forklift crews, commercial auto for the delivery fleet, inland marine for goods in transit, product liability for the materials you distribute, equipment breakdown for kilns and compressors, and an umbrella for catastrophic limits. Most dealers carry six to ten of these coverage lines — we package them into one program.
Quote your dealer program today.
Tell us about the yard. We'll come back in about 15 minutes with a real program — property, inventory, GL, work comp, fleet, and product liability structured as one.