★ Commercial · Inland marine
Your property policy covers the building. This covers everything that moves.
Commercial property insurance covers what is at your address. Inland marine covers what earns you money everywhere else: tools in the truck, equipment at the job site, goods in transit. For contractors and anyone whose property moves, this is the line that actually pays the theft claim.
Free quotes · No obligation · A licensed specialist answers, usually within one business day
★ What it covers
What’s covered and what isn’t.
Plain English, no fine-print games. Every policy has exclusions; here are the ones that actually matter for Inland Marine.
What it covers
- Contractors' equipmentExcavators, compressors, generators. Scheduled by item with agreed values, covered at any job site.
- Tools in transit and on siteThe hand and power tools that walk off job sites and out of truck beds. The most common inland marine claim there is.
- Goods in transitYour products or materials while being transported between locations.
- Installation floatersMaterials and equipment from the moment they arrive at the job site until they are installed and accepted.
- Rented and borrowed equipmentShort-term rented equipment, usually by endorsement, because the rental yard's waiver is rarely the deal it looks like.
What it doesn’t cover
- Property at your owned locationThat is commercial property's job. Inland marine is for property away from your premises.
- The vehicles themselvesTrucks and trailers need commercial auto; inland marine covers what is in or on them, not the vehicle.
- Wear and tear or mechanical breakdownSudden theft and damage are covered; maintenance is not an insurance event.
- Mysterious disappearanceMost policies need evidence of theft. 'It's just gone' without signs of a break-in is a hard claim.
- Employees' personal tools you don't ownKnow whose tools are whose before the claim. Scheduled equipment means scheduled.
All quotes are subject to carrier underwriting and final approval. Coverage availability, terms, and pricing vary by state and carrier. The lists above describe typical Inland Marine policies, not any specific carrier’s form.
★ Who needs it
If this sounds like you, you need inland marine.
The businesses that buy Inland Marine most, and the one-line reason each one does.
General and trade contractors
Your equipment is scattered across job sites. That is inland marine's entire reason to exist.
Landscapers and exterior cleaners
Mowers, trailers, and pressure rigs live on trucks and sites, not in a building.
Specialty trades
HVAC, electrical, plumbing: vans full of tools and parts that never sit still.
Exhibitors and event companies
High-value gear that travels to every event.
Businesses shipping their own goods
If your product is in transit under your care, this follows it door to door.
★ What it costs
What drives the price.
Carriers price Inland Marine on exposure, not vibes. Here’s what moves your number, and what you can actually influence.
- Total scheduled values: Premium follows the total value of equipment insured. Accurate schedules matter.
- Equipment type and mobility: High-theft items rate higher; equipment that is hard to fence rates lower.
- Storage and security: Locked yards, GPS tracking, and secured trailers earn real credits.
- Deductibles: Tool floaters with per-item deductibles price very differently from blanket coverage. Know which you have.
- Loss history: Tool theft claims are frequent, and carriers watch this line closely.
★ Often quoted together
Pairs well with Inland Marine.
Most businesses don’t buy one policy in isolation. These are the lines inland marine buyers usually quote at the same time. One specialist quotes the whole package.
Commercial Property
Your building, contents, and equipment, plus the income you lose while closed for repairs.
Commercial Auto
Work cars, trucks, and fleets: liability and physical damage your personal policy excludes.
Business Owner's Policy
General liability + commercial property in one package. The starter policy for small business.
★ Straight answers
Questions inland marine buyers actually ask.
The short version of what our licensed specialists explain on calls every week.
Why doesn't my property policy cover my tools?
Scheduled vs. blanket equipment coverage: what's the difference?
Does it cover tools stolen from my truck?
What about equipment I rent?
Is there a deductible per item?
Do I need this if I work from one shop?
Get my quote
Get your Inland Marine quote. Two minutes.
Tell us about the business. A licensed specialist shops the carriers and comes back with real options.
- About 2 minutes, built for Inland Marine
- A licensed specialist follows up, usually within one business day
- No bait prices, no call centers, no selling your information
Free quotes. No obligation. Written through Patriot Independent Insurance Partners, licensed in TX, FL, GA, SC, AL, MS, NC, CA, and CO. Your information is never sold to lead brokers.