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Inland Marine Insurance
Standard commercial property insurance may not provide adequate coverage for equipment, tools, and goods that are transported or stored off-site. Inland Marine Insurance protects valuable business property that is frequently moved or used away from a primary business location. Whether your business transports goods, uses mobile equipment, or stores property at multiple job sites, this coverage ensures financial protection against damage, loss, or theft.
An Inland Marine Insurance policy typically includes coverage for:
- Equipment, tools, and machinery transported between job sites
- Goods in transit or temporarily stored off-site
- Mobile medical and construction equipment
- Art, collectibles, and high-value items
- Installation projects and property stored at third-party locations
At
McShea Insurance, we understand that businesses rely on mobile property and specialized equipment. We tailor
Inland Marine Insurance policies to safeguard your assets wherever your business takes them.
Who Needs Inland Marine Insurance?
Businesses that frequently move, transport, or store high-value items should consider Inland Marine Insurance, including:
- Construction companies and contractors
- Freight and transportation businesses
- Mobile medical spa service providers
- Mobile healthcare providers
- Art dealers and museums
- Technology and audiovisual service providers
- Event planning and staging companies
- Catering businesses
FAQs
Does Inland Marine Insurance cover equipment theft?
Yes, Inland Marine Insurance typically covers theft of equipment and tools, whether stolen from a job site, a vehicle, or a temporary storage location. However, coverage limits and exclusions vary by policy, so it’s essential to review your terms with an insurance expert.
How is Inland Marine Insurance different from Commercial Property Insurance?
Unlike Commercial Property Insurance, which primarily covers assets at a fixed location, Inland Marine Insurance provides coverage for equipment, inventory, and materials that are in transit or used off-site. This makes it essential for businesses with mobile operations or those that rely on valuable transportable equipment.
How much does Inland Marine Insurance cost?
The cost of Inland Marine Insurance depends on several factors, including:
- The type and value of insured property
- How frequently the property is moved or transported
- Coverage limits and deductible selections
- Industry and associated risk factors
At McShea Insurance, we assess your business's unique needs and create cost-effective Inland Marine Insurance policies that provide the right level of protection.
Can I customize my Inland Marine Insurance policy?
Yes! Policies can be tailored to meet your specific business needs. Common coverage options include:
- Bailee’s Customer Coverage: Protects customer property in your care, custody, or control.
- Builder’s Risk Insurance: Covers materials and equipment used in construction projects.
- Motor Truck Cargo Insurance: Protects goods transported by commercial trucking businesses.
Get Started Today
Ensure your valuable mobile equipment and property are protected with Inland Marine Insurance. Contact McShea Insurance today to discuss your coverage options and get a personalized quote.