Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
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Inland Marine
Property that moves, is installed elsewhere, or sits at a site you do not own.
What this cover does
Despite the name, inland marine covers property on land that a standard commercial property policy follows poorly — tools on a job site, equipment in transit, goods in a third-party warehouse, exhibition stock. It is a floater: cover goes where the property goes.
Typically included
- Contractors tools and mobile equipment
- Property in transit by your own or hired vehicles
- Installation floater for materials until a job is accepted
- Property stored at a location you do not own
- Exhibition, fine art and camera equipment floaters
- Bailee cover for customer property in your care
Common add-ons
- Scheduled versus blanket limits
- Rented and borrowed equipment
- Employee tool cover
- Higher limits for unattended vehicles
Questions
What people ask about inland marine
Why will my property policy not cover tools on site?
Commercial property is tied to the scheduled premises. Once tools leave, cover is restricted or absent. Inland marine follows the property instead of the address.
What is bailee cover?
Cover for goods belonging to customers while they are in your care — a repairer, cleaner or restorer. Your liability cover generally excludes property in your care, custody or control, which is the gap this fills.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Inland Marine
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.