Inland Marine Insurance

Inland Marine: What You Need To Know

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What is inland marine insurance?
Although it has the word ‘marine’ in it, which probably makes you think of water or the ocean, inland marine insurance coverage is a type of insurance policy that covers the transportation of assets and property over land. These assets and property can be equipment, work materials, tools, or anything else that is transferred from one place to another via a vehicle, truck or train. Inland marine helps protect transporters and owners of said assets and property from accidents or other incidents that can occur on the way from point A to point B.

What does inland marine insurance cover? 

The simple answer is that it can cover anything in transit. Although many businesses choose not to purchase inland marine coverage because their needs are adequately addressed by their Business Owners policy or their general liability coverage, companies that frequently ship goods across land are often in the market for the best inland marine insurance coverage. That is because the aforementioned policies cover materials that stay in one place, but that coverage becomes void when they are being transported. High-value products like computers, scientific and laboratory equipment, construction materials and other technological gear need to be protected regardless of where they are. 

How much does inland marine insurance cost? 

Inland marine policy prices can vary widely depending on a number of factors. What is being transported and where it is going are the two main issues at hand, but other relevant factors can include the length of time that your business has been established, how you traditionally ship products, and how often you ship or move products around by land means. Inland marine insurance companies will take everything that they know about your company and its shipping habits and derive a policy price from the synthesis of all of that information. 

For many construction companies, inland marine insurance is a crucial part of their overall insurance package. That is because construction companies do most of their work off-site, meaning that they are constantly transporting expensive materials, tools and equipment away from the areas that are covered by the general liability policies. 

If you feel that your business could benefit from purchasing inland marine insurance, visit our website or give us a call today to request an inland marine insurance quote. We’ll determine the best direction for you to go in that will protect your business, along with the goods you ship every day.

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