Commercial Inland Marine
What's included
What It Covers
Tools & Equipment
Helps protect the hand and power tools you carry to job sites, in your vehicle or between locations.
Contractor's Equipment
Coverage for larger mobile equipment such as excavators, loaders, generators and scaffolding.
Property in Transit
Can help cover goods and materials while they are being shipped or transported by truck.
Installation Floater
Helps protect materials and equipment you are installing until the job is completed and accepted.
Rented or Leased Equipment
May cover equipment you rent or borrow from others while it is in your care.
Electronic Equipment
Can help protect laptops, tablets, cameras and other portable electronics used for business.
Who Needs It
- Contractors and trades such as electricians, plumbers, HVAC technicians and carpenters.
- Landscapers and businesses that use mobile machinery.
- Installers who deliver and install equipment or materials at client sites.
- Businesses that ship goods or take equipment to events, shoots or client locations.
Optional Coverages
- Builder's RiskHelps protect a building under construction or renovation, along with materials on site.
- Equipment Rental ExpenseCan help pay to rent replacement equipment while your covered equipment is being repaired or replaced.
- Bailee CoverageHelps protect customers' property while it is in your care, such as items left for repair or cleaning.
- Valuable Papers & RecordsCan help with the cost to restore important documents, drawings and records after a covered loss.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Why is it called inland marine if it has nothing to do with boats?
The name comes from the early days of marine insurance, which covered cargo shipped by sea. As goods began moving over land, coverage for property in transit and on the move became known as inland marine.
Doesn't my commercial property policy already cover my equipment?
Commercial property policies typically focus on property at your listed business location and may offer only limited coverage elsewhere. Inland marine is designed for property that travels to job sites or is stored off premises.
Are tools stolen from my truck covered?
Commercial auto insurance covers the vehicle, but generally not the tools inside it. An inland marine policy can help cover theft of tools from a vehicle, depending on your policy terms. Some policies require the vehicle to be locked or show signs of forced entry.
Should I list each item or use blanket coverage?
Higher-value items, such as heavy equipment, are often scheduled individually with a stated value. Smaller tools may be covered under a blanket limit, sometimes with a per-item maximum. Our agents can help you choose the approach that fits your equipment.
Ready to Get Started?
Get a personalized Commercial Inland Marine quote or speak with one of our experienced agents.