Commercial coverage
Inland Marine Insurance for Equipment, Cargo, and Property in Transit
Inland marine is the family of forms that cover property that moves, property at a jobsite, or property of others in your care. A building policy stops at the described premises. The skid steer, the cargo in the box truck, and the switchgear sitting on a pad waiting for energization live here.
We write contractors equipment, motor truck cargo, installation floaters, scheduled property floaters, bailees, exhibition and trade-show displays, commercial computers, salesperson samples, and — for restaurants that run a truck — food-truck inventory and equipment that is not permanently attached to the chassis.
Contractors equipment can be scheduled (listed) or written on a blanket unscheduled basis with a per-item cap. Leased and rented equipment needs to be included; the rental house's damage waiver is not a substitute for your own floater when the rental contract makes you responsible.
Motor truck cargo is for property you haul that belongs to others, or in some structures your own goods in transit. A wholesale distributor and a common carrier do not buy the same form. We ask who owns the goods, who is named on the bill of lading, and where the radius ends.
Installation floaters cover materials and machinery at the jobsite during installation until the interest transfers. Builders risk (course of construction) is the sibling coverage for the structure itself — we have a dedicated page for that and we cross-place the two when a GC is both building and installing.
Fine arts, antiques, and museum-type schedules, bailees for cleaners and repair shops, and exhibition floaters are available when the class calls for them. We do not invent a warehouse legal-liability policy out of a cheap tools floater.
- Contractors equipment Owned, leased, and rented machines and tools on the job and in transit between jobs.
- Motor truck cargo Goods in transit when your bill of lading or your own stock is on the hook.
- Installation floater Materials and equipment at the site until installation is complete and interest passes.
- Scheduled and blanket floaters Landscaping equipment, construction trailers, computers, samples, and show displays.
Frequently asked questions
Why didn't my BOP pay for the stolen tools?
Because they were in the van or at a jobsite, not at the described premises. That is a floater claim. We add the floater when we bind the package so you are not discovering this after a break-in.
Is builders risk a type of inland marine?
Yes — course of construction is traditionally an inland-marine line. We also give it its own page because GCs search for it that way.
Do I need cargo coverage if I only haul my own materials?
Your own materials in transit can often sit on a property extension or a transportation floater. Once you haul other people's goods, you need motor truck cargo.
Are rented machines covered automatically?
Only if the form says so and the limit is high enough. Read the rental contract; many make you primary for damage. We include rented equipment as a stated limit, not as a hope.
Related coverage, industries, and locations
Builders Risk
Course-of-construction coverage for new buildings and renovations — materials, the structure, and temporary works.
Coverage detailsCommercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsElectrical Contractor
GL, installation floaters, license bonds, and the energized-work story of a licensed electrical shop.
Industry pageLandscaping
Crews, equipment, pesticide endorsements, and the jobsite GL a garden-center policy will not provide.
Industry pageWarehousing and Storage
Warehouse legal liability, the building, the lift trucks, and goods that are not yours.
Industry pageIdaho
Licensed commercial insurance broker serving Idaho.
State page