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Inland Marine (Tools & Equipment)

Covers tools, equipment, and materials that move between jobsites, where a standard property policy stops, built specifically for property that isn't tied to one fixed location.

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What it covers

  • Tools and equipment while in transit between jobsites
  • Equipment stored temporarily at a jobsite, not just your shop
  • Theft or damage to mobile equipment in a trailer or truck bed
  • Rented or leased equipment while in your care
  • Coverage that follows the equipment, not a fixed address

What it doesn't cover

  • Equipment permanently installed at a fixed location (that's Commercial Property)
  • Vehicles themselves, which need Commercial Auto
  • Normal wear and tear on tools
  • Equipment left unsecured against your policy's stated precautions

Who needs this

Contractors, tradespeople, and any business whose valuable tools and equipment regularly travel between jobsites rather than sitting in one building.

From our horror stories

The Stolen Trailer Full of Tools

A contractor's enclosed trailer, packed with tools and equipment worth tens of thousands of dollars, is stolen from a jobsite overnight, and the standard property policy doesn't apply.

Read the full story →
Common questions

Inland Marine FAQ

Why doesn't my commercial property policy cover this?

Commercial property is scoped to a fixed location. Equipment that travels between jobsites falls into a coverage gap that inland marine is specifically built to close.

Does this cover rented equipment?

Yes, typically, while it's in your care, custody, or control. Confirm the specific terms with us before renting anything high-value.

How is the coverage amount determined?

Based on the actual value of your tools and equipment, ideally updated whenever you add major purchases so the limit keeps pace.

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