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Inland Marine Insurance

Are you a contractor that uses commercial equipment looking for liability insurance? If so, our insurance team at Contractors Liability® is ready to answer some common questions for you and provide you with a free quote as well.

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Inland Marine Insurance with Contractors Liability

If you live hundreds of miles away from the ocean, you might be thinking that “inland marine insurance” has nothing to do with you. But this covers more than just water-borne items, therefore it’s in every contractor’s best interest to do their research on this type of coverage.

Inland marine insurance got its name from the era when transportation by boat was much more common. When the Industrial Revolution came along, when ground transportation became commonplace, insurance providers saw an opportunity to transform marine insurance into something that covered a far greater range of transportation and products.

If you’re considering opting out of inland marine insurance, pay attention to the following information and then give us a call at (866) 225-1950.


What is Inland Marine Insurance?

This type of insurance covers the loss, theft, or damage to certain goods on any transport vehicle that is not handled by boat – mainly ground and air transportation. For those companies who must travel to get to their worksite, like contractors, inland marine insurance is vital.

Inland marine insurance covers:

  • Personal or Individual Property
    • Examples: electronics, jewelry, cosmetics, tools, fine arts, and/or money
  • Business Property
    • Examples: printers, radios, property-owned tools, materials needed for construction, large construction and builder’s equipment, machines used in factories
  • Domestic Property
    • Examples: houses, flats, pre-built structures, solar panels
  • Imports and Exports
    • Examples: Goods made in the United States that are shipped overseas

It is particularly important for contractors to obtain inland marine insurance for their tools, technical/specialized equipment, electronics, and mobile equipment – which almost always must be transported from site to site. Regardless of who is driving from here to there, inland marine coverage will ensure their safe arrival or will compensate for any accidents.


Who Needs Inland Marine Insurance?

The team at Contractors Liability recommends that anyone who needs to transport their tools and goods from site to site should consider purchasing inland marine insurance. This could include the following, as well as many others:

  • Contractors who work at multiple sites
  • Painters who work on multiple buildings
  • Plumbers who transport their materials around a large metropolitan area


As insurance agents, we can determine that any time a company relies on transportation to do business, their likelihood of an accident goes up. This does not make them uninsurable, but it does necessitate that they consider all areas of coverage when it comes to their business. It’s easy to forget about items that are in transit to a worksite, but when they are lost, stolen, or damaged it’s hard to shrug off the impact that event has on your business.


Inland Marine Insurance and Builder’s Risk Insurance

Many businesses look at the various insurance policies available to them and question why they might need so many of them. Working with licensed insurance agents, like the ones at Contractors Liability, comes in handy in such times. Insurance types can be bundled in most instances. This is almost always the case with inland marine insurance and builder’s risk insurance. As well as covering the materials needed to complete a job while they are in transit, inland marine can also include coverage of non-movable materials. The only way to understand whether this type of coverage is best for your company is to talk with your insurance provider.

How Much Will Inland Marine Insurance Cost?

Inland marine insurance is complex. Not only does coverage cost depend upon typical insurance designations, but it also considers factors related to shipping. Included in normal considerations are factors like:

  • The age of your company
  • Your company’s reputation
  • Your company’s insurance track record
  • Where your company is located

Inland marine insurance also considers:

  • State requirements
  • What is being shipped
  • How often materials are being shipped
  • What materials you want covered under your policy
  • The size of your business

Your insurance agent will need all this information to come to an acceptable agreement about how much your coverage will cost.


Why Choose Contractors Liability for Inland Marine Insurance Coverage?

So you want to cover your company’s goods while they are in transit. That makes sense. After all, a business that is consistently on the move has a much higher chance of getting damaged in an accident. Higher crime rates also directly affect those workers on the road. You can’t stop accidents from happening, but you can make sure that you have a plan for when you do.

But finding the right inland marine insurance for your company takes time and research. You’re a busy company with things to do, thus Contractors Liability spares you the hassle of trying to ensure that your company’s assets are covered in a way that works with your business and your budget. Each plan is personalized because we care about tailoring the customer experience.

Our service also includes:

  • Representation by a licensed insurance agent
  • A 5-minute insurance quote
  • A comprehensive list of A-rated insurance providers
  • Rates that work with your budget
  • Customer support throughout all stages of your coverage

Inland Marine Insurance FAQs

Do I need to have Inland Marine Insurance?

Inland marine insurance is not legally required most of the time, but this does not mean it isn’t a type of insurance you can ignore. This type of insurance covers any incidents that might take place while transporting your equipment. Without it, you could suffer a massive financial loss if your property is lost, damaged, or stolen during transit.

What is the difference between marine insurance and inland marine insurance?

Marine insurance covers any products that are transported over water. Think of inland marine insurance as covering anything that could be transported by boat, but is transported on land instead. Inland marine covers transportation of equipment, tools, and other work-related items across land – whether it’s on a truck, a train, or on public transportation.


Don’t let your important items in transit slip under the radar when it comes to coverage. Contractors Liability understands the intricacies of these forms of coverage and is ready to help you when you need it. Contact us via web or call us at (866) 225-1950 for a 5-minute quote or for more information.

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