Coverage That Moves With Your Business
Not everything you own stays put. Equipment travels to job sites, tools get loaned out, property sits in storage between projects — and a standard policy often stops covering things the moment they leave your building. That’s where Inland Marine insurance comes in.
A Few Everyday Situations
A contractor’s trailer gets broken into overnight at a job site, and $15,000 in tools goes missing. A landscaping company’s mower is damaged while being transported between properties. A business stores excess inventory in a rented unit across town, and a pipe bursts. In each case, a standard business property policy likely wouldn’t respond — because the loss happened off-premises.
Inland Marine fills that gap.
Who Typically Needs It
- Contractors and tradespeople with mobile tools and equipment
- Businesses that rent, lease, or borrow equipment
- Companies storing property at multiple or temporary locations
- Anyone regularly transporting valuable business property
- Businesses with specialized or mobile equipment a standard policy won’t fully cover
What’s Covered
Coverage can be built around your specific equipment and how you use it, including:
Contractor’s tools & equipment · Equipment in transit · Rented or leased equipment · Property in the care, custody, or control of others · Off-premises storage · Builder’s risk for property under construction · Cargo
Why Work With an Independent Agency
Because we’re not tied to one carrier, we can compare coverage across multiple companies to find a policy built around how your equipment actually moves — not a generic one-size-fits-all form.
Let’s Talk Coverage
Every business uses equipment differently, so pricing depends on what you own, where it goes, and how it’s used. The best way to know what you need is a real conversation — call our office or start a quote and we’ll walk you through it.