Also known as: Inland marine · Floater · Equipment coverage
Coverage for movable business property and equipment while it is in transit or away from your main location.
Inland marine insurance covers property that moves or is located away from a fixed business address, filling a gap that standard commercial property policies leave. Despite the name, it has little to do with the ocean: it evolved from marine cargo coverage to protect goods once they moved inland. It commonly covers tools and equipment, computers and electronics, cameras and specialized gear, property in transit, and goods held at job sites or third-party locations. For hardware, deep-tech, and field-services companies moving valuable equipment, it is a frequently overlooked but important line.
It covers movable business property such as tools, equipment, electronics, cameras, and goods in transit or held at job sites and third-party locations. It is designed for property that a standard commercial property policy does not follow once it leaves your listed address.
Businesses that move or store valuable equipment away from a fixed location: contractors, hardware and robotics companies, drone operators, field-service teams, photographers, and logistics or installation businesses. If your property regularly travels, inland marine likely fills a real gap.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.