Inland Marine Insurance Coverage
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Coverage That Travels With Your Business
Inland Marine insurance protects the movable, specialized, and high-value property your business relies on while it is in transit or used away from your premises. Despite the name, it has nothing to do with boats — it covers the tools, equipment, and goods that a standard commercial property policy leaves unprotected the moment they leave your building.
Why You Need Inland Marine Insurance
A standard property policy protects property only at your scheduled address — coverage shrinks or disappears once property is on the move.
Covers tools, equipment, and goods while in transit, at a job site, or installed at a customer location.
Protects property of others that is in your care, custody, or control.
Contracts and lenders often require it before you can take on the work.
Who Needs This Coverage
Inland Marine coverage is essential for:
Contractors, tradespeople, and construction companies
Shipping, delivery, and logistics businesses
Repair shops and processors holding customers' property
Landscapers and equipment-heavy service businesses
Jewelers, photographers, and fine-arts dealers
Any business moving high-value or electronic equipment
What Inland Marine Insurance Covers
Inland Marine follows your property wherever it goes. Common coverage sections include:
Contractors' Equipment
Backhoes, loaders, lifts, generators, and hand tools used away from your premises, on a scheduled or blanket basis.
Property in Transit
Goods, materials, and products while being moved by your own vehicles or a common carrier.
Installation Floater
Materials and equipment while being installed at a job site, until the work is accepted by the customer.
Bailee's Coverage
Customers' property left in your care, custody, or control — ideal for repair shops, cleaners, and processors.
Electronic Equipment
Laptops, tablets, cameras, and specialized electronics used in the field.
Scheduled & Blanket Property
High-value items listed individually, plus a blanket limit for the many smaller tools you carry.
