Inland Marine Insurance
Coverage to financially protect the tools and equipment you use.
Insuring over 1 million small business owners worldwide.
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Inland Marine Insurance
Protect What You Need to Get the Job Done
Inland marine insurance is sometimes referred to as “tools and equipment coverage” because it can help cover costs if your tools and equipment are damaged or stolen on the job. That means you might not have to pay out-of-pocket to repair or replace your property and can get back to work quickly.
Protect your tools and equipment when traveling
An inland marine policy typically covers property that is:
- In transit
- On movable vehicles
- Stored offsite
If your property is damaged or stolen, it will likely need to be repaired or replaced. Your inland marine policy can help cover these costs, up to your policy’s limit.
Protect tools or equipment you rent or lease
Your policy also can protect you if your small business is using someone else’s property that gets damaged or stolen. In that case, your policy may cover repairs and replacements, up to the policy’s limit.
Help limit small business interruption
Being able to quickly replace or repair your business equipment can help decrease any downtime on a project or keep you from being unable to land new work.
How Much Does Inland Marine Insurance Usually Cost?
Get a quick estimate in just 3 steps. Prices as low as $23.92 per month.*
Do I Need Inland Marine Insurance?
If you’re often bringing tools, laptops, photography equipment, and other property to a jobsite or another location for work, we recommend inland marine insurance. Here are just a few examples of the types of businesses that could benefit from inland marine insurance coverage:
Answers To More Inland Marine Questions
What determines the cost of inland marine insurance?
The cost of inland marine coverage depends on a variety of factors, such as the type of work you do, the property you own, where you’re located, and how far you travel to do your work.
We can help find inland marine insurance quotes for your business in just 10 minutes right here.
What does inland marine insurance cover?
Inland marine insurance covers tools, equipment, and other business property you may transport over land, store in a warehouse, or use at a job site. This can include property you own as well as tools and equipment you may rent or lease.
Typically covered:
- Tools and equipment
- Laptops and electronics
- Party and special event equipment
What does inland marine insurance not cover?
Property at your place of business
Property stored at your business’s main location is usually not covered by an inland marine policy.
Business vehicles
Vans, trucks, and other vehicles used for your business are generally covered by policies other than inland marine.
Earthquake and flood damage
Damage from these events is not covered under a typical inland marine policy.
Why work with Simply Business?
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – All in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
Feel confident about your choice
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More Helpful Information About Inland Marine Insurance
*Displayed price is an estimate based on the 10th percentile of Inland Marine policies sold by Simply Business between January-June 2024, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.