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Inland marine insurance
Protect property in transit over land with an inland marine policy from a trusted insurance company.
Or call 844-925-1272 for a quote
What is inland marine insurance?
Inland marine insurance includes different types of commercial property policies designed to cover a small business's products, equipment, and materials when damaged or lost in transit over land. Inland marine policies also cover a third party's property when it's in your possession.
What's covered under an inland marine insurance policy?
What inland marine insurance covers depends on the type of policy you buy. Some examples of inland marine policy types include
- Builder's risk insurance, also known as course of construction insurance, provides coverage for buildings and other structures under construction and the equipment and materials used in construction.
- Contractors equipment insurance protects a contractor's equipment from things like severe weather, jobsite accidents, and theft when in use, transit, or storage.
- Motor cargo insurance gives small businesses that transport or temporarily store property for others liability coverage for lost, damaged, or stolen cargo.
- Scheduled property floaters protect named commercial property that's regularly moved around, such as landscaping equipment and construction trailers.
- Antiques, fine arts, and museums insurance provides coverage for antique and fine art collections under your care, whether in transit, on exhibition, or being held for sale.
Why choose Liberty Mutual for inland marine insurance coverage?
Why work with independent insurance agents
Who needs inland marine insurance?
Explore these additional small business coverages
We can help you find the best coverage for your small business so you have peace of mind.Inland marine insurance frequently asked questions
Inland marine insurance protects a broad range of commercial property from land-based risks. Your may cover many of those risks already.
The best way to determine what type of inland marine insurance you need is to speak with an .
The cost of inland marine insurance for a small business is primarily determined by the value of the property you want to insure. Your specific level of risk related to transportation and storage, coverage limits, and geographic location also influences the cost of coverage.
Reach out to an to discuss your specific needs and get an accurate inland marine insurance quote.
Inland marine insurance policies generally don't cover your company's vehicles (covered by ), stationary property on your business's premises (covered by ), or liability for injuries to third parties (covered by ). Inland marine policies instead focus on covering risks not covered by your other commercial insurance policies.
Inland marine also excludes losses related to neglect, such as leaving vehicles with covered equipment unlocked or improperly packaging items for transport.
General liability insurance protects you from claims related to property damage and injuries to third parties due to your business's negligence. Inland marine insurance protects movable properties, such as equipment, tools, and cargo, from loss, damage, or theft while in transit or offsite storage. In other words, general liability covers liability risks while inland marine safeguards your business assets while on the move.
Good question! The name derives from marine insurance, which provides similar protection for properties transported by sea. So inland marine insurance is like marine insurance, but instead protects businesses when they're transporting commercial properties over land.