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Inland Marine Insurance by Builders Choice Insurance Services

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Inland Marine Insurance provided by Builders Choice Insurance Services

The name itself can throw people for a loop, but if you’re a construction professional or contractor, this type of property insurance is essential to your overall business because it safeguards your tools, equipment, and unfinished construction projects from loss or damage. There is no one standard inland marine policy. The content varies depending on the type of risk being insured, and in some cases, on the particular company issuing the policy.

What the Heck is Inland Marine Insurance?

A Brief History:

Ocean Marine was the very first form of insurance coverage. Merchants who routinely shipped goods over ocean trade routes wanted financial protection in the event their merchandise was lost at sea. At first Ocean Marine Insurance covered port to port only. A policy covered cargo exclusively while on board ship, from the time it was loaded until it was unloaded at the docks. As large inland cities developed and land transportation improved, merchants also wanted coverage for their goods while being transported over land to and from the docks, and Inland Marine was born. To keep up with the times, Inland Marine has even evolved to protect digital information and data.

What Categories are Covered in an Inland Marine Insurance Policy?

  • Accounts Receivables
  • Bailee Customer's Goods
  • Builders' Risk
  • Camera and Photographic Equipment
  • Communication Towers and Equipment
  • Computer Coverage
  • Contractors Equipment
  • Commercial Floaters
  • Dealers
  • Exhibitions
  • Fine Arts
  • Furriers
  • Golf Equipment
  • Guns
  • Installation
  • Jewelers
  • Leased Property
  • Mobile Medical Equipment
  • Motor Truck Cargo
  • Museums
  • Musical Instruments
  • Processing Risks
  • Rigger's Liability
  • Scheduled Property
  • Transportation
  • Trip Transit
  • Valuable Papers
  • Warehouse Legal

What Does Inland Marine Insurance Cover?

Inland Marine Insurance can cover the following:

  • Transit: Provides protection for your goods, such as contractor's tools and supplies, while they are in transit to another location
  • Mobile equipment: such as forklifts, dozers, track hoes, maintainers, loaders, etc.
  • Builder's Risk: Protects structures and materials during new construction projects or renovations
  • Bailee's customer: Protects your clients' property when left in your care
  • Commercial computer: Provides protection for servers and computers, including laptops
  • Contractor's equipment: Safeguards machinery and tools at job sites, your storage yard, and points in between
  • Exhibition and fine arts: Keep items on display protected while on exhibition, in transit, and on loan
  • Installation floater: Can cover the materials of your trade from the moment they are loaded onto the truck until they are accepted, put to use, or installed
  • Motor truck cargo: Keeps your clients' goods protected while you deliver them

Construction companies and contracting businesses have many business assets that are not only valuable, but also imperative for their work. No matter the location — be it a work truck, jobsite, a storage location or in transit — Inland Marine Insurance covers equipment and tools that are lost, stolen, or damaged.

You can add Inland Marine coverage to your Property Insurance policy if it is not already included. Still have questions? Ask your Builders’ Choice agent to determine what coverage is appropriate for your business needs today!

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