Inland Marine & Contractor Equipment Insurance

Protecting tools, equipment, and mobile assets wherever the job takes you

Inland Marine and Contractor Equipment Insurance safeguard the tools, machinery, and mobile property your business relies on — whether they’re on a job site, in transit, or stored off‑premises. Unlike standard property policies, inland marine is designed for equipment that moves, making it essential for contractors, trades, and any business with mobile assets.

Why Contractors Carry Inland Marine

  • Protects tools and equipment anywhere — Job sites, trucks, storage units, client locations, and more.

  • Covers theft — the #1 contractor loss — Tools stolen from trucks or job sites are fully protected.

  • Fills gaps in property policies — Standard property insurance only covers items at a fixed location.

  • Required by many GC contracts — General contractors often mandate proof of equipment coverage.

  • Keeps projects moving — Quickly replaces stolen or damaged equipment so work doesn’t stop.

What Inland Marine & Contractor Equipment Covers

1. Tools & Small Equipment

Protects hand tools and portable equipment such as:

  • Drills, saws, nail guns

  • Hand tools

  • Compressors

  • Generators

  • Ladders

  • Power tools

2. Heavy Equipment & Machinery

Covers larger items essential to construction and field work, including:

  • Bobcats

  • Mini‑excavators

  • Skid steers

  • Trenchers

  • Scissor lifts

  • Backhoes

3. Property in Transit

Protects materials, inventory, and equipment while being transported between job sites or facilities.

4. Property Off‑Premises

Covers items stored at:

  • Job sites

  • Temporary locations

  • Storage units

  • Client properties

5. Leased or Rented Equipment

Many policies include coverage for equipment you rent or lease for short‑term projects.

6. Theft, Vandalism & Accidental Damage

Covers the most common contractor losses, including:

  • Job site theft

  • Truck break‑ins

  • Dropped or damaged equipment

  • Weather‑related damage

Optional Add‑Ons

Contractors can enhance their inland marine policy with:

  • Installation floater (materials waiting to be installed)

  • Rented equipment coverage

  • Contractor’s equipment breakdown

  • Employee tools coverage

  • Theft from unlocked vehicles (varies by carrier)

  • High‑value equipment scheduling

These endorsements tailor coverage to your specific trade and risk profile.

Who Inland Marine Is Ideal For

Any business with mobile tools or equipment, including:

  • General contractors

  • Electricians

  • Plumbers

  • HVAC technicians

  • Landscapers

  • Roofers

  • Carpenters

  • Handyman services

  • Specialty trades

  • Mobile service businesses

If your tools leave your shop or truck, inland marine is essential.

Why It Matters

Tools and equipment are the lifeblood of contracting work. Theft, damage, or loss can halt a project and create significant financial strain. Inland Marine Insurance ensures your tools are protected everywhere you take them — keeping your business running smoothly and your projects on schedule.

It’s one of the most important coverages for any contractor or mobile service business.

If you want, I can now produce matching summary