Inland marine insurance
InsuranceFinder coverage guide · Updated September 2026
Inland marine insurance commonly covers movable business property — contractor tools, equipment, materials in transit, installation jobs, and certain client goods away from fixed premises — when those items are scheduled or written under the form. Building and contents property policies often focus on property at scheduled locations; inland marine is the line that often follows property on the move. Schedules, limits, and perils still decide what responds.
Inland marine coverage breakdown
Forms range from scheduled equipment floaters to broader transit and installation coverages. The schedule and valuation method matter.
Physical damage to scheduled tools and mobile equipment at job sites, in transit, or in storage when those items are on the form.
Goods you own or are responsible for while being shipped or hauled, subject to the transit wording and exclusions.
Materials and equipment being installed at a job until acceptance, when that coverage is purchased.
Coverage for property of others in your care, custody, or control — common for cleaners, repair shops, and similar trades — when endorsed or written as a separate floater.
Who typically uses inland marine insurance
These policies are typically carried by contractors, installers, movers, equipment rental firms, and businesses that take customer property off-site or between locations. Job contracts and lender requirements often drive the schedule — the form decides.
Wear and tear, mechanical breakdown, and mysterious disappearance are common gap areas unless specially endorsed. Unscheduled items above a blanket limit, employee theft, and certain flood or earthquake losses may need other wording. Property at an unlisted location can fall outside the form. Education only — not advice to buy.
Agencies specializing in inland marine insurance
Independent agencies published in our database. Open a profile for license details and state DOI links.