Inland Marine

Tools, equipment, and materials while they move or sit off-site.

Despite the name, Inland Marine has nothing to do with boats. It covers moveable property — the equipment on your trailer, the tools in a crew van, the materials staged at a job site — precisely where a standard property policy stops covering it. For contractors it is usually the difference between a bad week and a stalled project.

What it covers

Contractor tools and equipment, scheduled or blanket
Property in transit between locations
Materials and supplies staged at a job site before installation
Rented or borrowed equipment you are contractually responsible for
Installation floater coverage until the work is accepted

What it does not cover

Stated plainly, because finding out at claim time is how people end up suing their broker.

Equipment permanently located at your own premises — that is Business Property
Licensed vehicles themselves, which belong on Commercial Auto
Mysterious disappearance, on some forms — ask us to check yours