Despite the name, inland marine insurance has nothing to do with boats — it's the coverage for business property that moves. A commercial property policy protects things at a fixed address, but contractors' tools, portable equipment, goods in transit, and gear that travels between jobsites need coverage that follows the property. Maru places inland marine and contractors-equipment coverage so a stolen trailer of tools or a damaged piece of equipment doesn't stall your business.
What inland marine covers
| Coverage | What it protects |
|---|---|
| Contractors equipment | Tools and equipment on jobsites and in transit |
| Installation floater | Materials you're installing until the job is accepted |
| Transit / motor truck cargo | Goods and property while being transported |
| Leased/rented equipment | Equipment you rent or borrow and are responsible for |
| Fine art / valuable property | High-value items a property policy would cap |
| Scheduled vs. blanket | Named high-value items or a pool covering many |
Who needs inland marine
Contractors and the trades are the classic buyers — electricians, plumbers, HVAC, landscapers, and builders whose livelihood rides in the truck and lives on the jobsite. But it also fits photographers and film crews, medical and testing equipment, jewelers, computer and AV installers, and anyone transporting valuable goods. If your most important business property regularly leaves your building, inland marine is likely the missing piece. We inventory what you own and move, then decide what to schedule individually versus cover on a blanket limit.
How it fits your business program
Inland marine sits alongside your commercial property, general liability, and commercial auto coverage — property handles the building and its contents, auto handles the vehicle, and inland marine handles the tools and equipment in between. We coordinate the pieces so there are no overlaps you're paying twice for and no gaps where a loss falls between policies.
Frequently asked questions
What does inland marine insurance actually cover?
Isn't my equipment covered by my commercial property policy?
Should I schedule items or use a blanket limit?
Does it cover rented or borrowed equipment?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.
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