Inland Marine Insurance
Guardian Insurance Agency
Protect property that moves tools, gear, inventory, and more.
Despite the name, inland marine has nothing to do with boats. It’s designed to cover mobile and off‑premises property items in transit, on jobsites, stored off‑site, or in the care, custody, or control of others gaps a standard commercial property policy often leaves open.
What inland marine typically covers
Coverage varies by carrier and form; we’ll tailor limits and endorsements to your operations
- Property in transit (road or rail): finished goods, raw materials, parts.
- Contractors’ equipment floater: mobile equipment, tools, and machinery (e.g., skid steers, compressors, hand tools).
- Installation floater: materials and fixtures from pickup to installation at the jobsite.
- Bailee’s customer coverage: property of others in your care/custody/control (repair shops, cleaners, warehousing).
- Exhibition/Trade show floater: displays, demo units, booth structures while off‑premises.
- Warehouse legal liability / storage coverage: goods stored at third‑party or owned facilities
- Fine arts / high‑value items: scheduled property with special handling requirements.
Many forms include “from place to place” protection covering property while you move, stage, store, or install it, not just when it sits at your main location.
Why you need more than standard property insurance
Typical commercial property policies focus on on‑premises assets and may limit coverage for:
- Off‑premises exposures (jobsite, vehicle, or third‑party storage).
- Transit losses (accidents, theft, temperature excursions).
- Property of others in your care (customer goods). Inland marine closes these gaps with broader territory, specialized perils, and schedule‑based limits for items that move.
Helpful options & endorsements
- Riggers liability (lifting/hoisting customers’ property).
- Mysterious disappearance and theft enhancements (form‑dependent).
- Temperature/special handling for perishables or sensitive electronics.
- Employee tools and borrowed equipment (when applicable).
- Flood/earthquake for off‑premises storage (where eligible).
- Cyber/EDP forms for electronic data processing equipment (servers, laptops—form‑specific).
What affects price
- Item values & schedules (equipment lists, serials, locations).
- Transit frequency, routes, and security (locks, cages, GPS, escorts).
- Jobsite controls (fencing, lighting, storage, sign‑out procedures).
- Claims history and deductible choices.
- Special hazards (high‑theft commodities, reefer loads, overnight street parking).
Common claim scenarios (and how coverage responds)
- Theft of tools from a truck or jobsite trailer → equipment floater.
- Collision en route that damages your cargo → transit coverage.
- Water damage to stored customer goods → bailee’s customer.
- Dropped load during crane/rigging → riggers liability (with proper endorsement).
- Trade show loss (lost/damaged booth or demo units) → exhibition floater.
The Guardian Way
We map your moving property tools, cargo, customer goods, and place inland marine forms that match how and where you work. We’ll build schedules, set realistic limits, add the right endorsements, and align your property and auto policies to avoid gaps.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705