Business Insurance

Inland Marine Insurance

Inland Marine Insurance protects the property your business relies on when it’s not sitting in one place—equipment on job sites, tools in transit, materials stored off-site, and high-value items that standard property policies often exclude.

If your operation moves tools, inventory, or specialized gear between locations, you have “mobile property” exposure that can be damaged, stolen, or lost long before it ever reaches a permanent building.

We help identify your mobile risks and build a floater-style policy that can scale as you add new equipment, increase cargo values, or expand into new job sites.

Built Around Your Mobile Assets

Standard property coverage often stops at your front door. Inland marine is designed for assets that move, travel, or live at changing job sites. Common exposures include:

  • Contractors’ Tools & Equipment: Coverage for machinery on trailers or at job sites—from excavators and generators to specialized hand tools.
  • Transit & Cargo: Protection for goods and materials while being shipped—whether in your vehicles or via a common carrier.
  • High-Tech & Medical Gear: Coverage for delicate electronics, mobile diagnostic tools, and communications equipment used off-site.
  • Fine Art & Exhibits: Options for high-value items, displays, and collectibles moving between galleries, trade shows, or client locations.
  • Installation Risks: Protection for materials (like HVAC units or cabinetry) from the moment they leave your warehouse until they’re permanently installed.

Precision Coverage Options

Because every mobile operation faces different threats, we help you choose endorsements that close gaps and match how your equipment and materials actually move through the field.

  • Contractors’ Equipment Floater:
    The primary “shield” for heavy machinery and tools that travel between job sites and work zones.
  • Bailee’s Customers Coverage:
    Important if you take possession of a client’s property (for repair, cleaning, or storage) and are legally responsible for its return.
  • Computer & Data Processing:
    Coverage for mobile hardware (laptops, tablets, specialized devices) and related equipment used in the field.
  • Scheduled vs. Blanket Coverage:
    Scheduled: Lists specific high-value items to ensure they’re insured for the intended value.
    Blanket: Uses a single limit for a larger set of smaller tools or rotating inventory.

The Strategic Value of Professional Guidance

Pricing is influenced by how well your assets are secured and tracked. We help you optimize your program by aligning coverage, deductibles, and operational controls—without overpaying for overlapping protection.

  • Security & GPS Discounts:
    Equipment tracking, telematics, and documented security protocols can improve underwriting and reduce loss frequency.
  • Optimized Deductibles:
    We help find the sweet spot between premium savings and manageable out-of-pocket exposure after a loss.
  • Bundled Efficiency:
    Coordinating Inland Marine with Commercial Auto and General Liability can reduce gaps, prevent duplication, and simplify claims handling.

Protect what you’ve worked hard to build.

Don’t let a stolen trailer or damaged shipment stall your progress. Contact our office today for a review of your mobile exposures and a custom quote built for the work ahead.

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