Inland Marine Coverage That Protects What’s on the Move
If your tools, equipment, or materials travel with you—or are stored off-site—standard property insurance might not cover them. Inland marine insurance helps protect your business property in transit, at job sites, or in temporary storage.
Coverage That Moves With Your Business
From contractors and installers to specialty vendors and service pros, inland marine covers the gear your business relies on—wherever the job takes you.
Equipment & Tools in Transit
Covers equipment and tools while they’re being transported from one location to another.
- Applies to business-owned property in trucks, trailers, or delivery vehicles
- Covers theft, loss, or damage in transit
- Essential for mobile crews and remote service teams
- Helps minimize disruptions from equipment loss
Property Stored Off-Site
Protects business property kept at temporary job sites or third-party locations.
- Includes tools, building materials, or client-owned property in your care
- Covers fire, theft, vandalism, and some weather events
- Ideal for construction, installation, and repair businesses
- Supports uninterrupted operations
Installation Floater Coverage
Covers materials waiting to be installed—or in the process of being installed.
- Covers loss or damage before the project is complete
- Common for HVAC, plumbing, and electrical contractors
- Helps avoid out-of-pocket costs for materials lost before delivery
- Can be tailored to project size and frequency
Common Questions About Inland Marine
Why is it called "inland marine"?
It’s a legacy term from early shipping insurance. Today, it refers to moveable property not tied to one fixed location.
Doesn’t my property insurance already cover this?
Not usually. Most commercial property policies don’t cover items in transit or stored off-site.
Do I need this if I subcontract the work?
Possibly. If you’re responsible for transporting or handling materials, coverage may still apply.
Is this coverage customizable?
Yes—we’ll help tailor limits and protections based on how and where you work.