Cargo & Inland Marine insurance

Why Inland Marine Insurance Is Vital for Contractors:

1. Covers Equipment in Transit or Offsite

• Protects tools, machinery, and materials while they're being moved or used away from your primary business location.

• Ideal for contractors who work across multiple sites or store gear in vehicles.

2. Fills Gaps in Standard Property Policies

• Most commercial property policies only cover items at a fixed location.

• Inland marine bridges that gap — covering mobile assets, rented equipment, and even installation floaters.

3. Cargo Insurance Adds Protection for Shipped Goods

• If you're transporting high-value items (e.g., HVAC units, electrical panels, custom materials), cargo insurance protects against theft, damage, or loss during transit.

• Especially useful for contractors who deliver goods to clients or receive shipments from suppliers.

4. Real-World Risks It Covers

• Theft from job sites or vehicles

• Damage from accidents, fire, or weather

• Loss during loading/unloading or temporary storage