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Business coverage

Inland Marine / Tools & Equipment

Inland marine coverage protects tools, equipment, and business property while it's in transit or working at a job site — locations where standard commercial property policies stop covering you. For contractors and mobile trades, a stolen trailer of tools or gear damaged off-premises can halt work entirely, and this is the coverage that gets you back on the job fast.

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Who this coverage is for

Inland marine insurance, often used for tools and equipment coverage, is for businesses that move valuable property off-site or between locations. Despite the name, it has nothing to do with boats, it covers gear that travels, like contractor tools, cameras, or medical equipment.

What it can help protect

This coverage helps protect movable business property that standard property policies may not:

  • Tools and equipment — helps cover gear used at job sites away from your main location.
  • Property in transit — helps protect items while they are being transported.
  • Equipment at multiple sites — helps cover property that moves between locations.
  • Rented or borrowed gear — some policies extend to equipment you lease or borrow.
  • Theft and damage — helps cover loss from theft, accidents, and covered perils on the go.
Regularly misunderstood coverages
Inland Marine vs. Commercial Property

Property that travels vs. property that stays put.

Key choices and underwriting factors

A licensed review will usually focus on equipment list and values, where property travels or is stored, and owned, rented, or leased equipment mix.

Common Questions