Property that travels, covered off premises.

Inland marine is the coverage for property that moves: tools, equipment, and materials in transit, at jobsites, and in temporary storage, where standard property insurance stops. For contractors it is the backbone of tool, equipment, and materials protection.

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Inland marine covers movable and off-premises property, tools, equipment, materials, and property of others in your care, against theft and damage in transit and at jobsites. It fills the gap left by commercial property, which is tied to a fixed location, and by auto, which does not cover the contents of the vehicle.

Why contractors need it

Construction is mobile, and the property that earns your living rarely sits at one address. Inland marine follows your gear and materials to the jobsite, in the truck, and into temporary storage. It is the parent category that tools and equipment, contractors equipment, and installation floaters all fall under, and the right structure depends on what you move and how valuable it is.

What it covers and how it is structured

Inland marine can cover small tools on a blanket basis, larger equipment on a scheduled basis, materials and installation property before completion, and property of others in your care, custody, or control. Limits, valuation (replacement cost versus actual cash value), and transit and theft terms are where coverage is shaped, and they should match your real exposure.

How we handle it

We map what you move, tools, equipment, and materials, and structure inland marine to cover it with limits that actually replace it. We confirm transit, jobsite, and storage are all included, check valuation and theft terms, and coordinate it with auto and general liability so nothing falls between policies.

Frequently asked

Common questions.

What is inland marine insurance for contractors?

Coverage for movable and off-premises property, tools, equipment, and materials in transit and at jobsites. It fills the gap between property insurance, which is location-based, and auto, which does not cover the contents of the vehicle.

Is inland marine the same as tools coverage?

Tools and equipment coverage is a form of inland marine. Inland marine is the broader category that also covers larger equipment, materials, and installation property.

Does it cover property of others?

It can, including property in your care, custody, or control, subject to the policy. This matters when you are responsible for a client's materials or equipment.

How are limits set?

Small tools are often blanketed up to a limit, and higher-value items are scheduled. We size both to your inventory and check valuation and theft terms.

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Is your mobile property fully covered?

Tools, equipment, and materials off premises are easy to under-insure. We check the structure and limits against what you move.

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We structure inland marine to your real exposure

We confirm transit, jobsite, and storage coverage

We check valuation and theft terms

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Coverage

Cover what moves with the work.

Tell us what you transport and we will build inland marine that follows it.