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IM · Contractor coverage

Inland Marine

Your tools and equipment don’t sit still — neither should their coverage. Inland Marine follows your gear to the job site, down the highway, and into storage.

Get an Inland Marine quote Call 800-897-8221
Why it matters

Property insurance stops at your front door

A standard property policy covers equipment sitting at your shop — and that’s about it. The moment your gear is on a truck, at a job site, or in a storage yard, you need Inland Marine (a contractor’s equipment floater) to keep it protected.

Theft is the claim we see most — tools taken from trucks and job sites — followed by equipment damage in transit. Schedule your big-ticket machines individually, blanket the small tools, and add an installation floater for materials that are delivered but not yet installed.

What it covers

  • Owned tools & equipment — from hand tools to heavy machinery, at any location
  • Rented & leased equipment — the loss-damage waiver alternative rental houses charge for
  • Borrowed equipment — gear you’re responsible for but don’t own
  • Materials in transit — product moving between supplier, shop, and site
  • Installation floater — materials delivered to the site but not yet installed
  • Job-site & vehicle theft — the most common contractor equipment claim
Follows the gear

coverage travels with your equipment — shop, truck, site, storage

Schedule or blanket

list major equipment individually, blanket the small stuff

Pairs with auto

Commercial Auto covers the truck — Inland Marine covers what’s in it

Pairs well with

Round out your coverage

Commercial Auto

Coverage for the trucks, vans and equipment haulers that keep your operation moving between job sites.

Learn more

General Liability

Third-party bodily injury and property damage protection — the coverage almost every project owner requires.

Learn more

Contractor’s Bonds

The $25,000 surety bond California requires for your CSLB license — issued quickly and affordably.

Learn more
Common questions

Inland Marine, answered

What does Inland Marine insurance actually cover?
Your tools, equipment, and materials whenever they’re away from your shop — in the truck, at the job site, in a storage yard, or in transit between them. A standard property policy stops at your front door; Inland Marine follows the gear.
Are tools stolen out of my truck covered?
Yes — theft from vehicles and job sites is the most common contractor equipment claim, and it’s exactly what this policy is built for, subject to your deductible and policy terms.
Does it cover rented or borrowed equipment?
Yes. Rented and leased equipment coverage is usually cheaper than the loss-damage waiver the rental house sells you, and borrowed-equipment coverage protects gear you’re responsible for but don’t own.
Why is it called “Inland Marine”?
It’s a holdover from ocean cargo insurance — when insurers started covering goods after they moved inland from the docks, the name stuck. It has nothing to do with water; for contractors it just means coverage for property on the move. The truck itself is covered by Commercial Auto — Inland Marine covers what’s in it.

Get an Inland Marine quote today

Tell us about your work and we’ll come back with real options — usually within one business day. Certificates are instant once you’re covered.

Get my free quote Call 800-897-8221