Learn more about California's new minimum auto insurance requirements.
Protecting Your Materials and Equipment on the Move
Whether you’re transporting materials or storing equipment off-site, your business property is always on the move. Inland Marine Insurance protects your tools, equipment, and materials when they’re away from your primary location. Unlike standard commercial property insurance—which typically covers items at your main site—inland marine coverage protects your assets against theft or damage while in transit or in storage.
Imagine your work truck is fully loaded with an expensive cement mixer and custom-cut lumber en route to a job site. If an accident scatters and damages your equipment or material, Inland Marine Insurance steps in to cover the loss and clean up. This coverage helps ensure that one incident won’t delay your project or hurt your bottom line.
Who Needs Inland Marine Insurance?
Contractors, trade workers, photographers, and equipment renters face constant risk. If your equipment or valuable inventory are damaged or stolen while being hauled or stored at a temporary job site, you need protection. Inland Marine Insurance covers your assets against these losses while in transit or at job sites.
Why Is It Called Inland "Marine” Insurance?
The name might sound odd, but it's rooted in insurance history. Insurance originally covered valuable goods traveling on ships. As land transportation, like trains and trucks, became common, insurers created a new policy to cover these mobile assets on land, calling it "inland marine" to distinguish it from "ocean marine" coverage.
What Inland Marine Insurance Covers
If your business can't afford to replace costly equipment or materials out-of-pocket after an accident or theft off-site, you need Inland Marine coverage. Coverage typically includes:
High-value, often delicate items like cameras, audio/video gear, specialized testing devices, or custom production tools.
Raw materials being transported to a job site, such as lumber, metals, pipes, fixtures, or high-value finishings awaiting installation.
Large, expensive items used on job sites, such as tractors, excavators, forklifts, and compactors.
The everyday items you and your crew rely on, carried in your work vehicle from site to site.
Expensive items you rent for a specific job, like scaffolding or specialized cement mixers. You are often responsible for this equipment even though you don't own it.
Business Insurance Made Simple: Why Choose AIS
Your business is a major investment, and it deserves more than a standard, one-size-fits-all liability policy. At AIS Insurance, our experienced Business Insurance Specialists are driven by one goal: protecting your hard work and assets. We work quickly to understand the specific risks of your industry, allowing us to find and fix the dangerous gaps in coverage that leave businesses vulnerable, ensuring you get true financial peace of mind.
Stop settling for confusing policies. We make commercial insurance clear, fast, and highly effective. Call us today to speak with our experts who are ready to tailor a Inland Marine Insurance policy to your needs.
Additional Insurance Coverages to Bundle
It would be great if you could save money on insuring your business and all of its assets under one roof. AIS is the insurance house that finds affordable coverage for a wide variety of businesses. We compare the best rates from multiple trusted carriers partners, so you know you’re getting the best protection for the best price.
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