Protect Your Mobile Business Equipment
Inland marine insurance covers tools, equipment, and cargo that move between job sites or travel in transit. Essential for contractors, landscapers, delivery services, and any business with mobile property.
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What does inland marine insurance cover?
Inland marine insurance covers business property that moves—tools, equipment, cargo, and materials in transit or at temporary job sites. It protects against theft, damage, and loss anywhere in Alabama (or nationwide). Essential for contractors, landscapers, delivery services, and mobile businesses. Covers tools stolen from trucks, equipment damaged at job sites, and cargo lost in transit. In Alabama, expect $500-$2,000/year depending on equipment value and theft risk. Standard commercial property policies do NOT cover property away from your business location—that's why you need inland marine.
What's Covered
Power tools, hand tools, ladders, scaffolding stolen from trucks or job sites
Generators, compressors, welders, and other portable equipment
Goods being transported to customers or between locations
Laptops, tablets, cameras, and tech equipment used off-premises
Sales samples, trade show displays, and demo equipment
Professional instruments for touring musicians and bands
Who Needs Inland Marine Insurance?
Contractors & Builders
Tools and equipment at job sites, in trucks, or in storage
Landscapers
Mowers, trimmers, blowers, and equipment moved between properties
Plumbers & Electricians
Specialized tools and diagnostic equipment in service vehicles
HVAC Technicians
Gauges, recovery machines, and installation equipment
Delivery Services
Cargo and goods in transit to customers
Event Planners
Tents, tables, chairs, and equipment moved to event locations
Photographers
Cameras, lenses, lighting, and equipment at client locations
IT Consultants
Laptops, servers, and tech equipment servicing client sites
Coverage Details
Contractor Equipment Coverage
Covers tools and equipment owned, leased, or rented by your business. Protects against theft, vandalism, fire, and accidental damage at job sites, in transit, or stored in vehicles.
Typical Coverage Limits:
- • Small contractors: $10,000-$25,000
- • Mid-size contractors: $25,000-$100,000
- • Large contractors: $100,000-$500,000+
Goods in Transit Coverage
Protects cargo, materials, and products being transported in your vehicles or by common carrier. Covers theft, damage, and loss during transit.
Common Uses:
- • Delivery services transporting customer goods
- • Wholesalers moving inventory between warehouses
- • Manufacturers shipping products to distributors
Installation Floater Coverage
Covers equipment and materials during installation at customer locations. Protects HVAC systems, solar panels, flooring, and other items until installation is complete.
Best For:
- • HVAC installers
- • Flooring contractors
- • Solar panel installers
- • Window and door installers
What's NOT Covered
Inland marine insurance has important exclusions. Know what's not covered before you need to file a claim.
What Affects Your Cost?
- • Higher equipment value
- • High-theft areas (Birmingham, Mobile)
- • Tools stored in unsecured vehicles overnight
- • Previous theft claims
- • No security measures (alarms, GPS tracking)
- • Expensive specialized equipment
- • Install GPS tracking on equipment
- • Use tool locks and security cages in trucks
- • Store equipment in secure location overnight
- • Maintain detailed equipment inventory with photos
- • Engrave tools with business name/ID
- • Bundle with other business insurance policies
Average Alabama Cost
Most Alabama contractors pay $500-$2,000/year for $25,000-$50,000 in equipment coverage. High-value equipment ($100,000+) costs $2,000-$5,000/year.
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