Inland Marine Insurance

Inland marine insurance protects tools, equipment, and materials while they are in transit, on job sites, or stored off-site—covering risks not included in standard property policies.

It typically covers contractor tools, heavy equipment, and materials against theft, damage, or loss during transport or while at temporary locations.

Yes. General liability covers third-party claims, while inland marine insurance protects your own tools and equipment.

Yes, most policies include theft coverage for tools and equipment, depending on policy limits and conditions.

Contractors, builders, electricians, plumbers, and any business that transports tools or equipment between job sites should consider this coverage.

Costs vary based on equipment value, risk level, and coverage limits, but policies are typically affordable and customizable.

Builder’s risk covers structures and materials for a specific project, while inland marine covers tools and equipment across multiple job sites.