Equipment & Inland Marine Insurance
Protect your tools, equipment, and mobile property wherever business takes you
What is Equipment & Inland Marine Insurance?
Equipment and Inland Marine Insurance protects tools, equipment, and mobile property that moves from location to location or is used away from your business premises. Despite the name "marine," this coverage has nothing to do with water or ships - it covers property in transit or at various job sites.
This specialized coverage fills the gap left by standard commercial property policies, which typically only cover property at your fixed business location. Whether you're a contractor with expensive tools, a landscaper with equipment, or a business with mobile technology, inland marine insurance protects your assets wherever they go.
What's Covered
Contractors Equipment
Protection for construction tools, machinery, and equipment used at job sites or in transit between locations.
Mobile Equipment
Coverage for equipment that moves on wheels or tracks but isn't licensed for road use, such as forklifts and scissor lifts.
Computer & Technology Equipment
Protection for laptops, tablets, servers, and other technology equipment used away from your business premises.
Medical & Professional Equipment
Coverage for medical devices, scientific instruments, and professional equipment used at multiple locations.
Theft & Vandalism
Protection against theft from job sites, vehicles, or storage locations, including vandalism damage.
Accidental Damage
Coverage for equipment damaged by drops, spills, or other accidents during use or transport.
Who Needs This Insurance?
Essential coverage for businesses with mobile or transportable property:
Contractors and construction companies
Landscapers and lawn care services
IT consultants and technology services
Healthcare providers with mobile equipment
Photographers and videographers
Rental equipment businesses
Common Claim Scenarios
Tool Theft from Job Site
$15,000 worth of power tools and equipment are stolen from a construction site overnight.
Equipment Damage in Transit
A crane being transported to a new job site is damaged when the trailer hits a low bridge.
Laptop Theft from Vehicle
Company laptops containing important client data are stolen from a consultant's vehicle.
Weather Damage
Heavy rain damages exposed equipment left at a job site, requiring costly repairs or replacement.
Related Insurance Products
General Liability
Protect your business from third-party claims while your equipment is in use.
Learn More →Commercial Property
Protect equipment and inventory stored at your fixed business location.
Learn More →Protect Your Equipment Today
Get comprehensive equipment and inland marine coverage tailored to your business needs.