Inland Marine Insurance
Inland Marine Insurance protects the tools, equipment, and movable property your business relies on every day. From contractors to service providers, if your equipment travels from job to job, this policy fills the gaps left by traditional property insurance.
At Blue Paddle Insurance, we help businesses secure comprehensive Inland Marine protection that keeps operations moving—no matter where the work takes you.
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What Is Inland Marine Insurance?
Despite its name, Inland Marine Insurance has nothing to do with oceans or boats. It originally evolved to protect cargo transported over land—and today it covers mobile, high-value, or job-site equipment that standard property policies do not.
Inland Marine is essential for:
Contractors
Tradespeople (electricians, plumbers, HVAC)
Landscapers
Mobile service businesses
Installers
Photographers and videographers
Small businesses with equipment on the move
If your tools leave your business location, you need Inland Marine coverage.
What Does Inland Marine Insurance Include?
Tools & Equipment Protection
Coverage applies whether tools are:
In a work truck or trailer
At a job site
In storage
Being transported
Typical covered items include:
Power tools
Hand tools
Generators
Compressors
Ladders & scaffolding
Specialty trade equipment
Small machinery
Equipment Floater Coverage
High-value or specialized equipment can be added individually to ensure accurate protection. This is ideal for:
Earth-moving machinery
Excavation equipment
Surveying tools
Large construction devices
Each item can be listed (scheduled) for precise valuation.
Property of Others
If you rent or borrow equipment—or if clients trust you with their property—Inland Marine extends to those items as well. This protects your business from unexpected liability while out in the field.
Why Inland Marine Insurance Matters
Tools and equipment are the lifeblood of many businesses. Replacing them after theft, damage, or loss can halt operations and result in major financial setbacks.
Inland Marine ensures peace of mind through:
Job-site protection
Theft and vandalism coverage
Transit protection
Broad coverage locations
Equipment replacement options
Protection from financial disruption
If your business is mobile, this policy is essential.
What Inland Marine Insurance Does Not Cover
Common exclusions include:
Intentional damage
Wear and tear
Mechanical breakdown
Employee dishonesty without a fidelity rider
Stationary property (covered by commercial property insurance)
We help you determine whether an item belongs under Inland Marine, Commercial Property, or a BOP.
How Much Does It Cost?
Pricing depends on:
Equipment value
Industry type
Theft exposure
Deductible selection
Scheduled vs. blanket coverage
Most small contractors pay $30–$90 per month, depending on the tools insured.
Protect Your Tools & Equipment Today
Don’t let a theft, job-site accident, or unexpected loss derail your business.
Blue Paddle Insurance provides clear, dependable Inland Marine coverage built around your mobile operations.