Coverage lines

Eight coverage lines. One program.

Every line a building material dealer needs, packaged so they don't fight each other at claim time. Click any line for the full breakdown of what's covered, who it's for, and why.

General Liability Insurance

Third-party bodily injury and property damage coverage built for building material dealers — slips in the yard, contractor customers hit by forklifts, loading-dock incidents, and completed-operations claims on delivered goods.

Property & Inventory Insurance

Property and inventory coverage engineered for the catastrophic fire exposure of lumber stacks and bulk building materials — replacement-cost stock, debris removal, sprinkler-discharge, and outdoor-yard coverage.

Workers' Compensation

Workers' compensation calibrated to the real hazards of a building supply operation — forklift and lift-truck injuries, lifting and material-handling strains, loading-dock crush injuries, and saw/dust exposure.

Commercial Auto & Delivery

Commercial auto for the delivery fleet most dealers run — box trucks, flatbeds, boom trucks, and ramp trucks hauling lumber and materials to job sites, plus non-owned and hired coverage for the counter staff.

Inland Marine & Cargo

Inland marine coverage for building materials in transit and on the yard — cargo on your delivery trucks, installers' equipment, valuable stock at off-site storage, and goods in your care, custody, or control.

Product Liability Insurance

Product liability coverage for the dealer's unique exposure — the materials you distribute but don't manufacture. Defective drywall, failed fasteners, recalled roofing, contaminated insulation — you can be named even when the manufacturer is at fault.

Equipment Breakdown

Equipment breakdown (boiler & machinery) coverage for the systems that keep a dealer running — kilns, air compressors, dust collection, forklift chargers, boilers, pressure vessels, and electrical panels. Property policies exclude this.

Umbrella & Excess Liability

Umbrella and excess liability that sits over your GL, auto, and employers' liability — the catastrophic limits a lumber yard or building supply dealer needs when a forklift fatality or major fire-loss claim breaks through primary limits.

Ready to quote your dealer program?

Tell us about the yard. We'll come back in about 15 minutes with a real program — eight coverage lines structured as one.

Get a Quote 844-967-5247