Inland Marine Insurance
Protect equipment and property in transit.
Get coverage for tools, equipment, and goods that move—whether at job sites, in transit, or stored at multiple locations.
Licensed agents help contractors, transporters, and businesses protect mobile property that standard policies exclude.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Inland Marine Explainer
Everything you need to know about Inland Marine Insurance
Inland marine insurance sounds like it covers boats, but it actually protects property that moves—and it's essential coverage that many contractors, transporters, and equipment-heavy businesses overlook. Whether you're a contractor with tools at job sites, a trucking company hauling cargo, or a business with valuable equipment that travels, understanding how inland marine works helps you protect property that standard policies leave exposed.
At its core, inland marine insurance covers property in transit, property at temporary locations, and specialized equipment that standard property policies exclude or inadequately cover. Common inland marine policies include Contractors Equipment (tools and machinery at job sites), Motor Truck Cargo (goods you're transporting for others), Builders Risk (structures under construction), Installation Floater (materials being installed), and Equipment Floater (mobile equipment). Standard commercial property policies typically cover property at your listed locations—but what about the excavator at a construction site, the tools in your work truck, or the cargo you're hauling?
The key to getting the right coverage is understanding what property moves or operates away from your premises and what your standard policies actually cover. Many business owners discover coverage gaps only after a theft or accident. Contractors' tools are frequent theft targets at job sites. Cargo can be damaged or stolen in transit. Equipment can be damaged at temporary locations. Inland marine fills these gaps with coverage designed for property on the move. Ready to protect the mobile property that keeps your business running?
How it works
From inventory to coverage in days
Our streamlined process identifies your mobile property exposures and connects you with carriers who specialize in inland marine coverage.
Step 1
Share your equipment details
Tell us about your tools, equipment, cargo types, and how property moves so we can identify the right inland marine coverage.
10-minute assessment
Step 2
Compare coverage options
Review quotes for contractors equipment, cargo, builders risk, or equipment floaters with clear coverage explanations.
Same-day quotes
Step 3
Bind and protect your property
Get coverage that follows your equipment wherever it goes—job sites, transit, storage, and temporary locations.
Instant certificates
Key decisions
What every equipment owner should know
Learn how inland marine insurance protects tools, equipment, and cargo that standard property policies leave exposed.
Contractors equipment coverage
Understand how to protect tools, machinery, and equipment at job sites where standard property policies don't apply.
Cargo and goods in transit
See how motor truck cargo coverage protects goods you're transporting for customers or between locations.
Builders risk protection
Learn how to insure structures under construction before standard property coverage kicks in.
Scheduled vs. blanket coverage
Discover when to list specific equipment vs. using blanket coverage for all tools and machinery.
Professional support
Agents who understand mobile property
Our network of independent business insurance specialists understands inland marine exposures and works with carriers that cover your equipment types.
- Agents who understand contractor, cargo, and equipment exposures
- Help identifying coverage gaps in your current policies
- Guidance on scheduled vs. blanket equipment coverage
- Support for claims at job sites and remote locations
Need equipment coverage for a contract requirement? We'll deliver inland marine quotes fast.
Common questions
Inland Marine FAQs
Why is it called "inland marine" if it covers land-based property?
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The name dates back to when marine insurance was the only coverage for goods in transit. As commerce expanded inland, insurers created "inland marine" to cover property moving over land. Today it covers any mobile or specialized property—despite having nothing to do with water.
Does my commercial property policy cover tools at job sites?
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Usually not adequately. Standard commercial property policies cover property at your listed locations. Tools and equipment at job sites, in transit, or at temporary locations typically need inland marine coverage—specifically a Contractors Equipment policy or Equipment Floater.
What's the difference between scheduled and blanket equipment coverage?
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Scheduled coverage lists specific items with individual values—good for expensive equipment. Blanket coverage provides a total limit for all tools and equipment without listing each item—simpler to manage for businesses with many smaller tools. Many contractors use both approaches.
Do I need builders risk insurance for renovation projects?
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Often yes. Builders risk covers structures under construction or major renovation against damage from fire, wind, theft, and other perils. The property owner or general contractor typically purchases it. Coverage ends when construction is complete and standard property coverage begins.