Your business frequently transports business property over land.If your business performs tasks such as the list below, you’ll want to consider adding inland marine insurance to your business insurance policy: Commercial property insurance does not cover goods in transit. But commercial property insurance may be insufficient for some small businesses, particularly if your business moves or stores your business property in different locations. That includes items like your tools, inventory and equipment. The commercial property insurance portion of your business insurance covers your business property for problems such as damage, lost or stolen items. Stationary property at your main location.Property that is damaged prior to shipment.Business property shipped by air or sea.What Is Not Covered by Inland Marine Insurance? Medical diagnostic and scientific equipment.Electronics, such as computers, sound or radio equipment, and televisions.Communications and networking equipment.

Here are some examples of the types of business property that are covered by inland marine insurance:

High-value property stored at your fixed location, such as a client’s artwork stored at your auction houseįor example, if you are a contractor who moves tools and equipment to different worksites, inland marine insurance covers your business property while it is on your work truck and being transported to construction sites.

Business property that is part of infrastructure, such as bridges or communication towers.

Business property stored at different locations, such as vending machines stored at a customer’s site.

Business property inside a commercial truck.

Business property being transported over land.Inland marine insurance generally covers: Compare quotes from participating carriers via What Does Inland Marine Insurance Cover?

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