Your General Liability and property policies mostly stop at the property line. Inland Marine is what covers the tools and equipment that make you money everywhere else — on the trailer, at the jobsite, in the shop across town.
We build your inland marine around what you actually haul and where it goes: owned and rented equipment, scheduled or blanket tool coverage, materials in transit, and property stored off-site. Then we size it to real values so a stolen tool or a damaged rental is a claim, not a write-off.
Contractor's equipment
Owned and rented equipment, on the job or in transit between sites.
Tools (scheduled or blanket)
Hand and power tools, covered either item-by-item or on a blanket limit.
Installation & materials in transit
Materials you're transporting or have installed but not yet handed over.
Property stored off-site
Tools and equipment kept at a yard, storage unit, or secondary location.
What's actually covered is governed by your issued policy and its endorsements — this is a general description, not a coverage determination. That's exactly why the structure below matters.
Blanket vs. scheduled coverage decides whether a stolen tool is actually paid.
How your tools are covered matters as much as whether they're covered. Scheduled coverage pays only for listed items; blanket coverage has a per-item cap that a bigger piece can blow past. Rented and leased equipment often carries contractual obligations your policy has to match. We structure your inland marine — limits, valuation, and rented-equipment terms — around what you actually carry and the contracts you actually sign.
Go deeper on Inland Marine
Plain-English guidance on Inland Marine, written for contractors, not adjusters.
Inland Marine: What’s Actually Covered
Despite the name, Inland Marine has nothing to do with boats — it's the coverage for tools, equipment, and materials once they leave your shop, which is exactly the gap a standard property policy…
Read the full article →More Inland Marine guidance is on the way.
More Inland Marine guidance is on the way.
Would your policy replace the tools stolen off your trailer last night?
Get a free tools & equipment review — we'll check whether your inland marine is scheduled, blanket, and sized to what you actually carry.
Unique Risk Management & Insurance Services — commercial insurance for contractors since 2007. Licensed in CA, FL, MN, UT & NJ. This page is general risk-management and business-structuring education. It is not a coverage determination, a guarantee of coverage, or legal advice; coverage is governed solely by the terms of your issued policy and its endorsements.