Shipments Are Now Worry-Free

Inland Marine Insurance

Fletcher Insurance Group will keep all your shipments covered so you can deliver with no worries. When you have an Inland Marine Insurance policy, you can include the cost of a stable premium in your expenses instead of accounting for every lost, stolen or damaged shipment as they come up.

Contact us today to find out how we can help.

What Is Inland Marine Insurance?

Inland marine insurance was made for shipments that do not include ocean transport. This policy covers items in transport by every form of land and air transportation along with bridges, tunnels and other methods of travel. The two most common causes of inland marine losses are collisions and cargo theft.

Should Your Business Have Inland Marine Insurance?

Many businesses are sufficiently covered by their property insurance included in their Business-Owners Policy (BOP) or Commercial Package Policy (CPP). These types of coverage will apply to property at a specific location, but may also cover tools and equipment that are transported with employees from site to site.

Though, if your business ships a lot of product or equipment, it may be smart to purchase Inland Marine Insurance. It’s especially useful for businesses that ship high-cost items that are usually excluded from basic property insurance. Inland marine insurance covers many special equipment items and products, including but not limited to:

  • Desktop/laptop computers and servers
  • Medical Equipment
  • Animals
  • Photography equipment
  • Fine art and fine art tools
  • Vending machines

If you’re trying to decide on whether or not you need Inland Marine Insurance, consider what type of equipment or product you normally ship or transport and see if your other policies provide coverage for those items.

Special Types of Inland Marine Insurance

Bailee’s Customer Coverage – Protects client property under the care of your company. Examples include inventory in a warehouse you own or equipment in your repair shop.

Builder’s Risk – Covers your structure and materials during the middle of a construction project or renovation.

Exhibition and Fine Art Coverage – Keeps high-value exhibit items insured during transportation or on loan.

Installation Floater – Insures items immediately after they are put on a truck to the time they are used or installed.

Motor Truck Cargo Coverage – Protects clients’ items while in transit or delivery with your business.

A helpful insurance agent from Fletcher Insurance Group can help you decide if Inland Marine Insurance is worth the investment for your business.

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