Inland Marine Insurance

What Is Inland Marine Insurance?

Inland Marine Insurance — commonly called Tools & Equipment Insurance — protects business property when it’s away from your main location. If tools, equipment, or materials are stolen, damaged, or lost on a job site or in transit, this coverage helps you replace them quickly so your business can keep operating. It picks up where commercial property insurance stops, ensuring your movable assets stay protected wherever the work happens.

What It Helps Protect

Many businesses rely on gear that travels with them. This coverage can include:
• Everyday hand tools and power tools
• Mobile equipment used at customer locations
• Materials stored temporarily on job sites
• Leased or rented tools needed for a project

When your equipment is constantly on the go, the risk of loss is higher — this policy gives you the protection you need to stay productive.

Why It Matters For Contractors

Stolen or damaged equipment can halt operations and lead to costly delays. Inland Marine Insurance helps you:
• Replace tools faster after a loss
• Keep schedules on track and avoid downtime
• Reduce out-of-pocket expenses for gear
• Stay prepared for the unexpected on every project

With inland marine insurance, you can focus on the job — not the “what ifs” that come with working off-site.