Cargo / Inland Marine Insurance

Your business relies on equipment, tools, and goods that move beyond a single location. Standard property policies often do not provide coverage once those assets leave your premises.

Cargo and inland marine insurance helps protect your property wherever it is, whether in transit, on a job site, or temporarily stored.

What Cargo and Inland Marine Insurance Covers

Coverage may include:

  • Tools and equipment

  • Goods in transit

  • Mobile equipment

  • Job site materials

  • Property stored off site

  • Installation projects

This coverage is designed to follow your property, not just your location.

Who Needs Cargo and Inland Marine Coverage

Businesses that benefit from this coverage include:

  • Contractors and trades

  • Logistics and transportation companies

  • Manufacturers and distributors

  • Construction companies

  • Service businesses with mobile equipment

  • Retail and wholesale operations

If your business depends on property that moves or operates outside a fixed location, this coverage is essential.

Why Inland Marine Coverage Matters

Standard commercial property insurance is limited to specific locations listed on your policy.

Without inland marine coverage, your business may face gaps when property is:

  • In transit

  • At a temporary location

  • Stored off site

  • Being installed or transported

These gaps can lead to unexpected losses that impact operations and revenue.

Our Approach

We evaluate how your business operates in real world conditions.

By understanding where your property is, how it moves, and what it is worth, we help structure coverage that aligns with your actual risk.

Our consultative approach ensures you are not over insured or under protected, but properly positioned based on your Total Cost of Risk.

Request a quote to review your current coverage
Request a quote to review your current coverage

FAQs

What is the difference between Inland Marine and Property Insurance?

Property insurance typically covers assets at a fixed location. Inland marine covers property that moves or is stored in multiple locations.

What type of insurance covers goods while being transported?

Cargo coverage can protect goods while in transit depending on the policy structure.

Is Inland Marine Insurance only for transportation companies?

Any business with mobile equipment or off site property can benefit from Inland Marine Coverage.

Does this cover employee tools and equipment?

It can, depending on how the policy is written.

Does Inland Marine Insurance cover job sites?

Many inland marine policies include coverage for materials and equipment at job sites.

How are Inland Marine & Property Insurance limits determined?

Limits for Inland Marine and Property Insurance are based on the value of your property and how it is used. We help assess appropriate coverage levels.

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