Inland marine insurance offers protection for movable property. Despite the name, it doesn’t cover boats. Instead, it insures items that travel over land. This includes equipment, tools, and other valuables not tied to a fixed location.

Property Coverage:
Standard property insurance often excludes items in transit or offsite. Inland marine fills that gap. It covers mobile property like construction tools, medical equipment, camera gear, and even artwork. This insurance follows the item, not the address. It protects property while moving, during storage at temporary sites, or while in use away from your main location.

Builder’s Risk Coverage:
This coverage protects structures under construction. It includes materials, fixtures, and temporary structures on-site. It also covers theft, fire, vandalism, and weather-related damage. Builders, contractors, and property owners rely on this policy to avoid large out-of-pocket losses. If a storm destroys building materials before installation, builder’s risk coverage can help replace them.

Equipment Floater Coverage:
Businesses that depend on mobile tools need this protection. It covers expensive equipment like bulldozers, generators, or power tools as they move between job sites. Contractors and repair professionals often carry this insurance. Without it, damage during transport or use at a remote site could mean thousands in replacement costs.

Installation Coverage:
This coverage protects items during installation at customer sites. It’s ideal for electricians, HVAC installers, or anyone placing valuable systems into buildings. If equipment is damaged before it’s permanently installed, this policy steps in. It can also cover liability if your installation causes other damage.

Fine Art Coverage:
Museums, collectors, and galleries use this to protect valuable art. Coverage follows artwork to exhibitions, auctions, or transit between locations. It includes protection against theft, damage, and accidental breakage. Even temporary storage areas are covered.

Instrument Coverage:
Musicians and schools need reliable protection for their instruments. Whether you’re traveling to a concert or shipping a violin for repairs, inland marine policies can help. They protect against theft, loss, and damage during transport or at performance venues.

Cargo Coverage:
Businesses moving products across the country depend on cargo coverage. It insures goods while they’re being shipped by truck, train, or air. Whether you’re a wholesaler, shipper, or logistics provider, cargo insurance helps recover losses from accidents, theft, or weather damage.