Property insurance covers the building. This covers the things that leave it.
Inland marine covers movable property — tools, equipment, and goods in transit — which a standard commercial property policy stops covering the moment it leaves the premises.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What inland marine and equipment businesses actually need.
Contractors equipment
Owned, rented and leased tools and machinery, on site or in transit.
Without it — Tools stolen from a job site or a van are replaced out of pocket, repeatedly.
Installation floater
Materials you have bought and are installing, until the job is accepted.
Without it — Materials stolen from a site before handover are your loss, not the owner’s.
Rented equipment
Equipment hired in, which the rental agreement makes you responsible for.
Without it — The hire company charges you replacement value plus loss of rental income.
Where inland marine and equipment shows up.
- Contractor
Tools and equipment stolen off a site or out of a trailer are simply gone — property insurance stops at the building line.
- Landscaping & Grounds Maintenance
Mowers, trimmers, blowers and the trailer they live on are stolen off job sites constantly, and a commercial property policy stops at the yard gate.
- Tree Service & Arborist
Climbing gear, saws, chippers and stump grinders are high-value, mobile and excluded by property coverage once they leave the yard.
- Snow & Ice Management
Ploughs, spreaders and blades are seasonal equipment worth stealing and expensive to replace mid-storm.
- Pesticide & Herbicide Application
Tanks, pumps and application equipment are mobile and excluded by property coverage away from the yard.
- Irrigation & Sprinkler Contractors
Trenchers, boring equipment and controllers are high-value and live on a trailer.
- Trucking
Trailers, chains, straps and equipment disappear and replacement comes out of cash flow.
- Janitorial & Cleaning
Machines, pressure washers and equipment stolen from vans are a total loss.
- Film & Entertainment
Rented camera, lighting and grip packages are your responsibility from the moment you sign for them.
- Directional Boring
Drills, locators and tooling are high-value, mobile, and excluded by property policies once they leave the yard.
- Occupational Therapy Practices
Assessment kits, sensory equipment and loan stock travel with the therapist and leave the building.
- Glass Contractors & Glaziers
Glass in transit and on a rack breaks, and property coverage stops at the yard.
- Carpentry & Framing Contractors
Nail guns, saws, compressors and staging are stolen from sites constantly.
- Hardscape & Retaining Walls
Plate compactors, saws, skid steers and trailers are high-value and live on job sites.
- Pressure & Soft Washing
The rig is the business. Attached and non-attached equipment on the trailer are scheduled differently, and getting that wrong is only discovered when the trailer is gone.
- Mobile Mechanics & Heavy Truck Repair
Tools, diagnostic equipment and the fit-out of a service truck are worth more than the truck.
- Roofing Contractors
Compressors, nail guns, kettles, lifts and staging are stolen off sites constantly and property coverage stops at the yard.
What inland marine and equipment operators ask us.
Why is it called marine if nothing goes to sea?
History rather than logic. Marine insurers were the ones who first agreed to cover goods once they left the ship and continued inland, and the name stuck to the whole category of movable property. It is one of the reasons the coverage is under-bought — the name tells a landscaper nothing about their stolen mini-excavator.
Is my equipment covered by my property policy?
On the premises, usually. Off the premises, usually not, or only to a small sub-limit that will not replace a real tool package. That gap is the entire reason this line exists, and it is where most trades discover it — after a van break-in.