Why It Matters:
Inland marine insurance protects businesses from financial setbacks by covering property that traditional commercial insurance policies may not include. Whether you’re transporting materials between job sites, storing equipment temporarily, or securing high-value assets, inland marine coverage ensures that your investments remain safeguarded. Unlike standard property insurance, which only covers fixed locations, marine insurance extends protection to mobile and off-site property, making it essential for industries that rely on transportation and temporary storage. With thisinsurance, businesses can operate with confidence, knowing their assets are covered against theft, damage, and unforeseen losses.
Example Scenario: Imagine your construction tools are stolen from a job site overnight. Without inland marine insurance, replacing them would be a costly setback. With this coverage, your business is financially protected, ensuring you can quickly replace lost assets and continue operations without disruption.
Whether you’re transporting high-value goods, storing materials at a temporary location, or moving specialized equipment, inland marine insurance provides the coverage you need to keep your business moving forward.
If your property moves, inland marine insurance keeps it protected.
Unlike standard property insurance, inland marine insurance offers flexible, customizable coverage for property that moves or is stored off-site. It protects unique assets like fine art, tools, and electronics, ensuring broad protection wherever they go. Policies can be tailored with:
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While inland marine insurance offers broad protection, there are certain exclusions to be aware of. This policy does not cover wear and tear, meaning damage from natural deterioration over time isn’t included. Losses caused by employee dishonesty, such as theft or fraud, are also excluded. Additionally, mold, insect infestations, and rot are not covered, as they are considered preventable maintenance issues. Natural disasters like earthquakes and floods require specific endorsements to be included in your policy.
Note: Inland marine insurance does not cover vehicles or permanently fixed property, which typically fall under separate commercial auto or property insurance policies.
Inland marine insurance can be tailored to protect unique property that standard policies may not cover. Specialized coverage options include construction equipment like bulldozers, tools, and trailers, as well as fine art coverage for art installations and traveling exhibits. Businesses can also insure medical equipment, such as diagnostic machines and portable devices, along with event equipment like tents, audiovisual systems, and rental gear. Coverage is customized to fit your specific business needs, ensuring your valuable assets are protected wherever they go.
Don’t wait for an accident to happen. Protect your business with affordable, reliable commercial general liability insurance.
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