Inland Marine Insurance 

Get Inland Marine Insurance Coverage That Moves With Your Business 

When your tools, equipment, or goods are constantly on the move, traditional property coverage isn’t enough. Inland marine insurance protects mobile assets from loss, theft, or damage, whether in transit or temporarily stored off-site. Ideal for contractors, vendors, and service providers, the right coverage keeps your business protected wherever the job takes you. 

What Is Inland Marine Insurance? 

Inland marine insurance protects business property that moves over land or is used off-site, filling coverage gaps left by standard commercial property insurance¹. 

It is commonly used for high-value, portable, or specialized business assets. 

Inland Marine Insurance Coverage 

Inland marine insurance covers mobile tools and equipment, high-value or specialized assets, and property belonging to others while it’s in transit, at job sites, or temporarily stored away from your primary business location.

Key Risks Covered By Inland Marine Insurance 

This type of protection covers common risks that can damage, destroy, or cause the loss of insured property. 

• Damage during transport or use 

• Theft or loss 

• Mysterious disappearance 

• Accidental damage 

Industries That Commonly Use This Coverage 

Industries that rely on mobile, high-value, or off-site property often use inland marine insurance. 

• Contractors – tools, equipment, and building materials, including Builder’s Risk coverage for projects in progress 

• Healthcare and wellness practices – portable professional equipment and supplies used across locations or off-site 

• Art galleries and art stores – fine art and unique items displayed, stored, or transported for sale or exhibition 

• Technology companies – computers, servers, communication towers, and technical equipment 

• Retailers, wholesalers, and distributors – goods stored or shipped over land, including food and inventory in transit or temporary storage 

• Dry cleaners and repair businesses – property of others in your care, custody, or control 

Key Features

This type of coverage includes features designed to protect mobile, off-site, and specialized business property across many industries. 

• Broader coverage
  • Covers mobile, high-value, and off-site assets 
  • Fills gaps left by standard commercial property insurance 
  • Well-suited for contractors, healthcare and wellness practices, retailers, and service businesses 

• Scheduled vs. blanket coverage 
  • Scheduled coverage for specific listed items 
  • Blanket coverage for all qualifying property 

• Valuation options 
  • Replacement cost pays to replace damaged property with new items 
  • Actual cash value pays replacement cost minus depreciation

Get Inland Marine Insurance

Your Gild Insurance Agent is here to understand your business and find the right coverage tailored to your needs.

For a free, online quote in minutes, try out Gildber! The fast, hassle-free option for a business insurance. 

Frequently Asked Questions

What is inland marine insurance?

Inland marine insurance covers business property that moves or is used away from your main location. It protects tools, equipment, inventory, and materials while they are in transit, stored off-site, or used at job locations where standard property insurance may not apply.

How is inland marine insurance different from commercial property insurance?

Commercial property insurance usually covers items kept at a fixed business location. It covers property once it leaves that location, such as tools taken to job sites, equipment in vehicles, or inventory being shipped or stored elsewhere.

Do I need inland marine insurance for my business?

You may need this type of coverage if your business uses tools, equipment, or inventory outside your main location. Businesses with mobile operations or transported property often face coverage gaps without it.

What does inland marine insurance cover?

It can cover tools, equipment, inventory, and materials while they are in transit, stored off-site, or used away from your primary business location. Coverage depends on the policy and the type of property insured.

 

1. https://www.iii.org/article/understanding-inland-marine-insurance ↩︎