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Inland Marine Insurance - Let us find your best coverage - coverage for property on the move
Inland marine covers tools, equipment and goods that move off your premises or sit in transit, and carriers price it on values, where the property is kept and how it is protected. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Inland Marine Quote Request
Applicant Information:
Have these handy
- Equipment list with serial numbers
- Values of each item
- Where items are stored
- Theft protection used
- Three years of loss runs
Related coverage
Coverage details
What Inland Marine coverage includes
Inland marine insurance covers business property that moves or is located away from your main location: tools and equipment at job sites, goods in transit, materials waiting to be installed, and customer property in your care. Standard commercial property policies limit or exclude property away from your premises, so inland marine fills that gap.
- Contractors equipment - Heavy equipment and tools at job sites.
- Goods in transit - Your property shipped by truck or carrier.
- Installation floater - Materials until installed and accepted.
- Property of others - Customer property in your care for service.
- Electronic equipment - Laptops, tablets and gear used in the field.
- Electronic data processing - Computers, servers and electronic equipment, including off-site.
Good to know: scheduling items over $10,000 by serial number and blanketing smaller tools usually gives the best rate and the cleanest claims.
Not covered: wear and tear, mechanical breakdown unless endorsed, theft from unlocked vehicles, and mysterious disappearance on many forms.
Insurance Application:
Inland Marine
Required forms
Inland Marine Supplemental Application (PDF)
Inland marine supplements (add any that apply)
Trade Show / Exhibition Floater (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Inland marine explained
How inland marine insurance works
Inland marine policies are flexible and written for specific types of property, often called floaters because coverage follows the property.
Contractors equipment
Heavy equipment, tools and machinery at job sites.
Goods in transit
Your property while shipped or carried in your vehicles.
Installation floater
Materials and equipment until they are installed and accepted.
Property of others
Customer property in your care, custody or control.
Electronic equipment
Laptops, tablets and electronics used anywhere.
Exhibitions and samples
Property at trade shows, fairs and sales calls.
Scheduled vs. blanket: scheduled coverage lists each item and its value, which suits expensive equipment. Blanket coverage insures a category of smaller items up to a total limit, with a per-item cap.
Pricing
What affects your inland marine rate
Rating factors
- Type and value of equipment or property
- Where it is used and stored overnight
- Theft protection such as GPS tracking and locked storage
- Whether equipment is rented to others
- Loss history
- Deductible
Ways to lower your premium
- Keep an equipment list with serial numbers and photos
- Store equipment in locked, secured areas
- Install GPS trackers on high-value items
- Remove keys and lock tools in vehicles
- Choose a higher deductible on smaller tools
Renting equipment? Rental agreements often make you responsible for damage. Add rented-in equipment coverage so you are not paying out of pocket.
Property options
Find the right equipment coverage
Start with the inland marine application, then add coverage that fits your property.
Inland marine
Fine Arts (Commercial)
Art and collections owned by businesses.
Get a quote Supplemental application (PDF)Related coverage
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.