Inland Marine Insurance
Protection for tools, equipment, and business property that travels beyond your primary location.
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What Is Inland Marine Insurance?
Inland marine insurance helps protect certain business property that moves between locations, is transported, or is used away from a primary business premises. It is especially valuable for contractors and businesses that rely on tools, equipment, and other movable property.
Contractors' Tools & Equipment
May cover eligible tools and equipment used at job sites, including power tools, generators, compressors, and other portable equipment. Coverage depends on the policy's covered causes of loss, limits, and exclusions.
Equipment in Transit
Can help protect covered business property while being transported between locations. Depending on the policy, protection may apply to certain losses involving theft, accidents, or damage during transportation.
Property at Temporary Job Sites
May provide coverage for insured equipment and materials temporarily located at construction sites, customer premises, or other covered locations away from the business's primary premises.
Installation Coverage
Installation floaters may help protect qualifying materials, supplies, and equipment awaiting installation or being installed at a job site. Coverage may extend to certain stages of transportation, storage, and installation, depending on policy terms.
Scheduled & Blanket Equipment Coverage
Some inland marine policies insure individually listed equipment, while others provide blanket coverage for qualifying property within a stated limit. Valuation methods, deductibles, and reporting requirements may differ.
Coverage Considerations & Limitations
Inland marine policies vary in how they address theft, unattended vehicles, employee tools, rented equipment, and property belonging to others. Businesses should review covered property, territorial limits, deductibles, and exclusions to understand their protection.
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