Don't leave everything to chance; keep yourself protected with an insurance
Don’t let the term “inland marine” confuse you. As opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products, materials and equipment when transported over land—e.g., via truck or train—or while temporarily warehoused by a third party. Collisions and cargo theft are the two most frequent causes of inland marine losses.
Inland marine insurance is a type of business insurance that helps cover products, materials and equipment while they are transported on land, such as by truck or train. This coverage is meant to help protect business property that is movable or used for transportation or communication purposes.
Inland marine insurance helps pay to repair or replace portable business property that is damaged by a covered peril listed in your policy.
Perils that may be covered by inland marine insurance may include:
In addition to the above, an inland marine insurance policy may provide additional coverage for specific situations. This may include protection for:
Your Business:
If your business needs specific equipment to operate then you will have protection for it under Inland Marine insurance. This can be anything from construction equipment, to medical supplies, to art and photography equipment.
Your Customers:
If your clients leave their property in your possession to be stored, they will be covered for physical damage or theft of the property while it is in your care.
Your Vendors:
Any company that rents or leases equipment to you will require that you provide insurance coverage for the product while it is in your possession. They are protected under your Inland Marine coverage as it will repair or replace lost equipment.
Inland marine is a specialized form of property insurance. Not all small businesses need it. However, companies that fit the following profile should consider purchasing it:
Damaged equipment, contamination, stolen goods – these are just some of the exposures your business may face on any given day. With the right inland marine policy, you can tailor coverage to address your specific inland marine risks. We can help you determine whether or not purchasing inland marine insurance makes sense for your business. Contact us today !
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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