Equipment & Inland Marine
Your most valuable equipment rarely sits still. Inland marine coverage protects machinery, tools, and property while they move between jobsites, yards, and transit.
What inland marine can protect
Inland marine covers the movable, high-value property a standard building or business policy wasn’t designed for.
Mobile & heavy equipment
Loaders, excavators, skidders, and other machines that earn their keep away from a fixed location.
Tools & small equipment
The smaller, easily overlooked gear that a crew can’t work without, often a real gap on standard policies.
Property in transit
Coverage for equipment and materials while they’re being moved between locations or jobsites.
Rented or borrowed equipment
Exposure from equipment you rent or borrow can be addressed so a damaged rental isn’t a surprise bill.
Installation & builders risk
Materials and property tied to projects in progress, before they become a finished, fixed structure.
Theft & vandalism
Helps respond when equipment is stolen or damaged at the yard, on the road, or on an open jobsite.
Coverage that follows the equipment
Standard property policies protect things at a fixed address. But your equipment moves, to jobsites, between yards, and down the highway. That’s exactly where losses tend to happen and where coverage often falls short.
Inland marine is built for movable property. We help you schedule equipment accurately, value it correctly, and avoid the gap between ‘covered at the shop’ and ‘covered everywhere it works.’
- Scheduling each machine at the right value is what makes a claim go smoothly.
- Newly acquired equipment needs to be added, a common and avoidable gap.
- Where equipment is stored overnight can affect coverage and theft exposure.
How equipment coverage comes together
The goal is simple: the right machine covered for the right value, wherever it works.
List the equipment
Every machine, its value, and how and where it’s used.
An accurate schedule is the difference between a smooth claim and a fight over value.
Identify the exposure
On the job, in transit, at the yard, rented, or borrowed.
Equipment faces different risks at each stage, coverage should account for all of them.
Compare carriers
We shop carriers that understand mobile and high-value equipment.
Inland marine forms vary; we compare what’s actually covered, not just price.
Keep it current
New purchases and changing values get folded in as you grow.
We help you keep the schedule current so a new machine is never the uncovered one.
Equipment & inland marine questions
What does ‘inland marine’ actually mean?
Despite the name, it has little to do with boats. Inland marine is the insurance category for movable property, equipment, tools, and goods that travel or work away from a fixed location.
Isn’t my equipment already covered under my business policy?
Often only at a fixed address, or with low limits. Once equipment leaves the building, to a jobsite or in transit, standard property coverage frequently falls short. Inland marine is built for that gap.
How do I value my equipment for coverage?
We help you decide between actual cash value and replacement cost and schedule each item appropriately. Getting values right up front is what makes a claim straightforward.
Can you cover rented or leased equipment?
Yes, in many cases. Rented and borrowed equipment carries its own exposure, and we can structure coverage so a damaged rental doesn’t become an out-of-pocket loss. Terms vary by carrier.
Protect what does the work.
Start an equipment quote, or call to schedule your machinery.