Inland Marine Insurance
Inland Marine Insurance protects tools, equipment, and property while in transit or stored off-site.
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Inland Marine Insurance Coverage for Business Assets
Transit Damage
Covers tools, equipment, or goods damaged while being transported
Theft in Transit
Provides protection if items are stolen during delivery or transport
Job Site Loss
Helps protect equipment from theft or damage while temporarily located at a job site or work location
Construction Equipment
Covers mobile machinery like bulldozers, forklifts, or cranes
Off-Site Storage
Protects business property stored off-site in warehouses or rented spaces
Specialized Equipment
Ensures high-value or unique tools are protected against loss or damage
What is Inland Marine Insurance
Inland marine coverage is designed for movable business property that isn’t fully protected under a standard commercial property policy. It helps reduce financial risk when valuable assets are exposed to theft or damage away from your primary location. This added protection supports businesses that operate across multiple job sites or transport equipment regularly.
Why Do You Need Inland Marine Insurance?
Protect Mobile Assets
Keeps valuable equipment and tools covered while in transit or at job sites
Fill Coverage Gaps
Covers property that standard commercial property insurance excludes
Support Business Continuity
Prevents costly interruptions by ensuring you can replace stolen or damaged items quickly
Who Needs Inland Marine Insurance
How much does Inland Marine Insurance Insurance cost?
Inland marine coverage cost varies based on the value of your property, the frequency of transportation, and risks of your industry.
Cost influences include:
Type and total value Equipment or goods
Transport frequency and transport distance
Risk in an industry and the job site
Deductibles and coverage limits
FAQs about Inland Marine Insurance
What does inland marine insurance cover?
Inland marine covers include the business property and business equipment when it is in transit, not in the premises or even when it is out in another temporary location. It is meant to secure portable property including tools, construction machines, electronics, medical equipment and precious things that are not attached to a single place.
Why is it called “inland marine”?
The inland marine terminology is as a result of the ancient insurance times when inland marine insurance policies only covered inland goods that were transported by sea. With the growth of trade inland, insurers offered inland marine policies to protect against property transported inland by truck, train, and any other means. The name still exists today although it spans extensive inland property and equipment.
Does it replace commercial property insurance?
No, commercial property insurance is not being replaced by inland marine insurance. Rather, it augments it, adding to it property not generally covered by standard commercial property policies, including mobile equipment, off-site materials and goods in transit. Companies usually have the two policies in order to cover the full insurance of the properties.
What industries need inland marine insurance?
Industries that rely on transporting, storing, or using mobile equipment often need inland marine insurance. This includes construction companies, landscaping businesses, medical providers with portable diagnostic equipment, technology firms, carriers covered by transportation insurance and businesses handling fine art or valuable materials. Essentially, any business with movable tools or equipment can benefit from this type of insurance.
Does it cover theft from vehicles?
Yes, an inland marine insurance policy or inland marine policy can provide property coverage for insured property stolen from a vehicle. Commercial inland marine insurance helps small businesses and business owners cover items, valuable items, and other equipment frequently shipped from a construction site or motor truck cargo.
Is rented or leased equipment included?
Rented or leased specialty equipment, medical diagnostic equipment, or mobile medical equipment may be included under inland marine insurance coverage. A separate policy or inland marine policy can extend replacement cost coverage for specialized property and materials not fixed location, giving coverage provided for small businesses and policyholder needs.
Does it cover international transport?
Standard inland marine insurance policy options usually focus on transportation or communication within one country. For international property shipped or ocean marine coverage type, an insurer may require a different type of coverage. Business owners should review coverage options when valuable items, fine art, or high value items are moved abroad.
How do I get Inland Marine Insurance?
Inland Marine Insurance helps protect movable business property that may not be fully covered under a standard commercial property policy. Our commitment is to provide clear guidance and accurate coverage recommendations based on how and where your assets are used. Here’s how to get started:
Identify covered property and exposure: Share what equipment materials or property you move store or transport and their values
Review coverage options and limits: We assess policy options limits and terms based on transit and storage exposure
Secure coverage with confidence: Coverage is put in place to protect eligible property while in transit or off site
Ravine Group Insurance Services serves as a trusted partner, helping you navigate mobile property risks and maintain protection as your business evolves.
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