Contractors & Trades Insurance
Inland Marine Insurance
for Contractors & Trades
Your tools and equipment are your livelihood, and they move from job site to job site where they're at risk of theft and damage. Inland marine coverage protects your tools, equipment, and materials in transit and at job sites — coverage that standard commercial property insurance does not provide.
Industry-Specific Insight
Why Contractors & Trades Businesses Need Inland Marine Insurance
Your tools and equipment are your livelihood, and they move from job site to job site where they're at risk of theft and damage. Inland marine coverage protects your tools, equipment, and materials in transit and at job sites — coverage that standard commercial property insurance does not provide.
Coverage Details
What Inland Marine Insurance Covers
Key protections included in a inland marine policy for contractors & trades operations.
FAQs
Common Questions from Contractors & Trades Businesses
What tools are covered under inland marine insurance?
Hand tools, power tools, generators, welding equipment, ladders, scaffolding, and construction materials can all be scheduled. Larger equipment like skid steers often needs separate coverage.
Does inland marine cover theft from a job site overnight?
Yes, theft from a job site is one of the most common inland marine claims and is typically covered when the items are listed on the policy.
How is inland marine different from commercial property?
Commercial property covers your business assets at a fixed location. Inland marine extends coverage to property that moves or is used at various locations. If your tools, equipment, or valuable property travels with you or your team, inland marine fills the coverage gaps.
Does inland marine cover equipment rented to others?
It can — some inland marine policies cover equipment that your business rents to others. This is sometimes called equipment rental coverage or equipment lessor coverage. A licensed agent can explain what's available for your specific situation.
Complete Coverage
Other Coverages Contractors & Trades Businesses Commonly Need
A complete protection plan for contractors & trades operations typically includes several complementary coverages.
Contractors & Trades · Inland Marine
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