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Inland Marine Insurance

Property coverage for things that move or are held away from your fixed location: equipment, goods in transit, and property in your care. It fills the gap a standard property policy leaves once property leaves your premises.

We shop the market for you, no broker fees

  • Travelers

    Inland marine

  • The Hartford

    Equipment and property in transit

  • Chubb

    Marine and inland marine

  • Great American

    Inland and ocean marine

  • Markel

    Specialty marine

  • Starr

    Marine risks

  • Philadelphia Insurance Companies

    Inland marine programs

  • AmTrust

    Contractors equipment

Built for businesses with movable property

  • Contractors carrying tools and equipment
  • Installers and businesses that ship goods
  • Jewelers, photographers, and medical providers
  • Anyone holding customers' property in their care

What changes your premium

There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.

  • Your class of business and what you actually do day to day
  • Annual revenue, and payroll where the line rates on it
  • How many people work for you, including subcontractors
  • Where you operate, down to the ZIP and the building
  • The limits and deductible you choose
  • Your claims history over the last three to five years

How it works

  1. 10 minute form

    A few questions about your business or home.

  2. We shop the market

    We compare carriers and read the forms line by line.

  3. Pick the best policy

    We explain what is covered, what is not, and what it costs.

Text us. We're by your side.

13:19
506

Menlo Agent

  1. Today, 9:41 AM
  2. Our lease for a second location starts September 1. Does our current policy cover it?
  3. Not automatically. Send me the address, square footage, operations, contents value, and move in date. I will ask the carrier to add it before you take possession.
  4. Sending the lease details now.

  5. Received. The location was added effective September 1. Your updated policy is ready.

    View updated policy

    menloinsurance.com

What this policy covers

Property in transit

Goods and equipment while being moved by truck or between locations, where a standard property policy stops at your premises.

Contractors equipment

Tools, machinery, and mobile equipment used on job sites, on the road, or in temporary storage.

Property in your care

Customers' property you hold, service, or install, often called a bailee exposure.

Specialized movable property

Fine art, cameras, medical equipment, and similar high-value items that travel with the business.

Frequently asked questions

What is inland marine insurance?

Despite the name, it usually has nothing to do with water. It is property coverage for things that move or are held away from your fixed location: equipment, goods in transit, and property in your care. It fills the gap a standard property policy leaves once property leaves your premises.

What does inland marine insurance cover?

Commonly contractors equipment and tools, property in transit, installation work before it is accepted, customers' property in your care, and specialized movable items like cameras or fine art. The exact form is tailored to what you move and where.

Who needs inland marine insurance?

Contractors, installers, jewelers, medical and photography businesses, and anyone who transports goods or holds customers' property. If valuable property regularly leaves your building or belongs to someone else while in your hands, this coverage usually applies.

What is contractors equipment coverage?

It is a common inland marine form covering the tools, machinery, and mobile equipment a contractor uses on job sites and in transit. A general property policy typically does not follow equipment off premises, which is the gap this closes. Owned, rented, and leased equipment can be scheduled or blanketed.

How is inland marine different from commercial property insurance?

Commercial property covers buildings and contents at a fixed insured location. Inland marine covers property that moves, is in transit, or is held off site. The two are complementary: property insures what stays put, inland marine insures what travels.

How much does inland marine insurance cost?

Cost reflects the value and type of property, how far and often it moves, your security and storage, and your loss history. Scheduling high-value items and choosing between blanket and scheduled limits both affect the premium. We quote it against your actual equipment and operations.

Does this policy cover buildings and fixed property?

Your building and permanently installed property belong on a commercial property policy.

Does this policy cover licensed vehicles?

Autos and trucks themselves are covered by commercial auto, not inland marine.

Does this policy cover wear, rust, and mechanical breakdown?

Gradual deterioration and maintenance issues are not covered causes of loss.

Does this policy cover employee injuries?

Injury to workers falls under workers compensation, not equipment coverage.

Get an inland marine quote for your equipment

Tell us the property you move and where it goes. We compare carriers and confirm scheduled and blanket limits fit your operation.

Talk to a specialist