Inland Marine Insurance That Moves With Your Business

Protect the tools, equipment, materials, and cargo your business moves every day. When your property leaves its fixed location — on the road, at a jobsite, or in storage — inland marine coverage goes with it.

Coverage That Travels

Unlike standard property policies tied to one address, inland marine follows your property wherever it goes — in transit, at the jobsite, or in temporary storage.

Fills the Property Gap

Commercial property coverage usually stops the moment equipment leaves your building. Inland marine closes that gap so a loss off-site isn't a loss out of pocket.

Jobsite & Transit Protection

Guard against theft, fire, collision, and transit accidents that can damage your tools and materials while they're on the move or staged at a client's site.

Specialty Carrier Access

We place coverage with 40+ specialty carriers that understand inland marine risk, matching your equipment and cargo to underwriters who write it well.

Competitive Rates

We schedule high-value items correctly and set limits at true replacement cost, so you get the right protection without paying for coverage you don't need.

Claims Advocacy

When property is damaged or stolen off-site, our team manages the claim, documents the loss, and pushes for a settlement that reflects real value.

What Our Inland Marine Coverage Includes

Inland marine is built from specialized coverage forms, each tailored to a specific type of movable property or exposure. Here are the forms businesses most often need.

Contractor's Equipment Floater

Protects owned, rented, or leased tools and machinery — from hand tools to heavy equipment — wherever they travel, whether in transit, at the jobsite, or stored overnight.

Installation Floater

Covers materials and fixtures from the moment they leave your supplier until they are fully installed and accepted at the project site.

Builders Risk

Protects structures under construction along with the materials and supplies on site, addressing fire, theft, and weather-related loss during the build.

Motor Truck Cargo

Covers the goods your business hauls for others while they are in your care, custody, and control during transport and delivery.

Transit & Shipping Coverage

Protects your own products, inventory, and equipment against loss or damage while being moved over land between locations.

Bailee & Property of Others

Covers customer property left in your care — items being repaired, serviced, or stored — against damage or theft while in your possession.

Why Choose TruNorth for Inland Marine?

Inland marine is a world of floaters, named perils, scheduled property, and fine-print exclusions. The wrong form leaves gaps you won't discover until a claim is denied. We structure coverage around how your property actually moves — and stand with you when a loss happens.

Coverage that follows your property across every jobsite and route
Access to 40+ specialty inland marine carriers
Exposure analysis for transit, jobsite, and storage risks
Correct scheduling and valuation of high-value items
Coordination with your property and auto policies to close gaps
Dedicated claims advocacy when property is lost or stolen
Ongoing reviews as your fleet and equipment grow
California-focused guidance from licensed agents

Frequently Asked Questions

Does inland marine insurance have anything to do with boats? +

No. Despite the name, inland marine covers property that moves over land — tools, equipment, materials, and cargo. Goods transported over water are covered by ocean marine insurance instead. The "marine" name is a historical holdover from when this coverage evolved out of ocean cargo policies.

Doesn't my commercial property policy already cover my equipment? +

Commercial property coverage generally protects property only at the fixed address listed on your policy. Once your tools or equipment leave that location — in transit, at a jobsite, or in storage — that coverage typically stops. Inland marine fills that gap by following your property wherever it goes.

What's the difference between inland marine and commercial auto? +

Commercial auto covers the vehicle itself and liability for accidents. Inland marine covers the tools, equipment, and cargo being carried in or on that vehicle. If a collision destroys the equipment in your truck, inland marine is what reimburses you for the lost equipment.

What is a "floater," and why does it matter? +

A floater is a policy or coverage form whose protection "floats" with the property rather than staying tied to one address. Because inland marine coverage travels with your equipment or cargo, it protects you across multiple jobsites, routes, and storage locations under a single policy.

What perils and exclusions should I watch for? +

Many inland marine forms are written on named perils — such as fire, theft, collision, and transit accidents — and each form carries its own exclusions. Common exclusions include normal wear and tear, mechanical breakdown, and property better covered elsewhere, like buildings or vehicles. We review the fine print so you know exactly what's covered.

How do I know how much coverage I need? +

It depends on the value of the property you move, how and where it travels, and whether you're responsible for property belonging to others. We inventory your equipment and cargo, help you schedule high-value items, and set limits that reflect actual replacement cost so you're neither underinsured nor overpaying.

Ready to Protect Property on the Move?

Get a free, no-obligation inland marine quote from a California specialist.