Inland Marine
Protecting your business starts with reliable coverage and a broker who understands the Insurance market.
Inland Marine Insurance
Inland marine insurance covers property that is mobile, specialized, or otherwise not adequately protected under standard property policies. It protects items that are in transit, in the care of third parties, or used in operations in multiple locations.
This type of coverage fills gaps where traditional commercial property policies may leave exposures unprotected.
What Inland Marine Covers
Inland marine policies can be designed to protect a variety of property types and exposures, including:
Builder’s risk for construction or renovation projects
Contractor’s equipment, such as heavy machinery, tools, or rented equipment
Property in transit, including materials or goods being shipped to or from job sites
Installation floaters for equipment or components being installed but not yet completed
Bailee’s coverage, protecting customer property while in your control
Specialized property, such as fine art, data-processing equipment, or instruments
Accounts receivable records and valuable papers
Coverage may be offered as a standalone policy or as an endorsement, depending on the insurer and the risk.
Key Features and Policy Structure
All-risk vs. Named Perils: Inland marine policies may cover all risks except those explicitly excluded, or they may be limited to specific perils listed in the policy.
Flexible coverage locations: Unlike standard property insurance, inland marine coverage often follows the property across locations, job sites, or while in transit.
Valuation basis: Property may be valued at replacement cost, actual cash value, or agreed value depending on the policy form and negotiation.
Scheduled vs. blanket limits: Policies may schedule individual items with specific limits, or provide broader blanket coverage up to an overall limit.
When Inland Marine Coverage Is Necessary
When you own or use equipment that moves between job sites or locations
When you provide installation services or deliver and install machinery
When you store or handle clients’ property (for example, in repair, storage, or transit)
When your operations involve high-value or specialized property not covered under standard policies
These exposures often arise in industries like construction, manufacturing, transportation, and contracting.
The Jines Group can help evaluate whether your business needs inland marine coverage, determine which equipment or property to include, and assist in structuring the appropriate policy or endorsements.
Inland Marine Insurance
Inland marine insurance covers property that is mobile, specialized, or otherwise not adequately protected under standard property policies. It protects items that are in transit, in the care of third parties, or used in operations in multiple locations.
This type of coverage fills gaps where traditional commercial property policies may leave exposures unprotected.
What Inland Marine Covers
Inland marine policies can be designed to protect a variety of property types and exposures, including:
Builder’s risk for construction or renovation projects
Contractor’s equipment, such as heavy machinery, tools, or rented equipment
Property in transit, including materials or goods being shipped to or from job sites
Installation floaters for equipment or components being installed but not yet completed
Bailee’s coverage, protecting customer property while in your control
Specialized property, such as fine art, data-processing equipment, or instruments
Accounts receivable records and valuable papers
Coverage may be offered as a standalone policy or as an endorsement, depending on the insurer and the risk.
Key Features and Policy Structure
All-risk vs. Named Perils: Inland marine policies may cover all risks except those explicitly excluded, or they may be limited to specific perils listed in the policy.
Flexible coverage locations: Unlike standard property insurance, inland marine coverage often follows the property across locations, job sites, or while in transit.
Valuation basis: Property may be valued at replacement cost, actual cash value, or agreed value depending on the policy form and negotiation.
Scheduled vs. blanket limits: Policies may schedule individual items with specific limits, or provide broader blanket coverage up to an overall limit.
When Inland Marine Coverage Is Necessary
When you own or use equipment that moves between job sites or locations
When you provide installation services or deliver and install machinery
When you store or handle clients’ property (for example, in repair, storage, or transit)
When your operations involve high-value or specialized property not covered under standard policies
These exposures often arise in industries like construction, manufacturing, transportation, and contracting.
The Jines Group can help evaluate whether your business needs inland marine coverage, determine which equipment or property to include, and assist in structuring the appropriate policy or endorsements.
