Commercial Inland Marine Insurance
Inland marine insurance protects your business property while it’s in transit, on the job site, or stored away from your main location.
Originally developed to cover goods once they left ocean ports, inland marine insurance now applies to nearly all types of mobile equipment, materials, and assets that move as part of your business operations.
Why Inland Marine Coverage Matters
A standard property policy only protects items while they’re at a fixed location.
If your business transports tools, equipment, or materials between sites, those assets may not be covered once they’re on the road or stored offsite.
Inland marine insurance fills that gap — providing coverage for property that’s mobile, in transit, or temporarily stored.
What Inland Marine Insurance Covers
Inland marine policies are typically written on an “all-risk” basis, offering broad protection against loss, theft, or damage no matter where your property goes.
Coverage can include:
- Tools, machinery, and business equipment
- Construction materials and contractor tools
- Merchandise or inventory in transit
- Equipment leased or loaned to others
- Property stored offsite or at multiple job locations
Whether you’re a contractor moving tools between projects or a retailer shipping merchandise to clients, inland marine coverage ensures your investment is protected every step of the way.
Who Needs Inland Marine Insurance
Inland marine coverage is valuable for a wide range of industries, including:
- Construction and contracting
- Landscaping and tree service
- Transportation and delivery
- Retail and wholesale
- Equipment rental and leasing
- Installation and repair services
If your business depends on tools, machinery, or products that regularly travel, inland marine insurance provides the protection your standard property policy can’t.
Common Covered Perils
- Theft or vandalism
- Fire or explosion
- Accidental damage during loading, unloading, or transport
- Weather-related events such as wind, hail, or flooding
- Equipment breakdown or collision damage during transit
Protect Your Property on the Move
From construction tools to merchandise in delivery trucks, inland marine insurance ensures your valuable business property is covered — wherever it goes.
Keep your business moving with confidence.
Talk with an inland marine insurance specialist today to build coverage that fits your operation.