Boise, ID Inland Marine Insurance
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Idaho Workmans Comp Insurance
Property In Transit
Property Held By Bailee
Instrumentality Of Transportation & Communication
Other Movable Property
What Is Inland Marine Insurance Policy
Don’t let the marine word bewildered you. Inland Marine Insurance is a policy that protects the products, materials, and equipment when being transported over the land via truck or train—or any goods that are temporarily moved by a third-party warehouse.
Many businesses think that having a business owner policy or commercial property insurance can be enough to ensure everything important to your company. Even so, your coverage is sufficient for certain needs, but if your business frequently ships products or equipment, you might need to purchase coverage of inland marine insurance.
Everything You Need To Know About Inland Marine Insurance
Inland marine coverage is a type of property insurance that is specially designed to protect transit over land, any property that is movable, transportable, or connected in transferring information. This coverage is necessary if you ship high-value products or materials, which is usually excluded in property coverage.
Inland Marine insurance can cover several specialty equipment and products including:
Computers (everything from servers to laptops).
Communication and networking tools.
Contractor’s equipment.
Scientific and medical equipment.
Valuable artworks such as paintings, photographs, and sculptures.
Transportation equipment such as food trucks and cargo vans.
Benefits Of Coverage
When determining the need for this policy, you should consider the nature of your business and operations. This policy isn’t just for the company’s transport products to retailers or warehouses. The coverage is also extended to the following coverages:
Bailee's Customer Coverage:
This is built to protect the client’s property if it is damaged under your care. For example, if you operate a warehouse.
Builder’s Risk:
This is designed to protect structures and materials during new constructions or remodeling projects.
Exhibition & Fine Art Coverage:
Protects valuable pieces of artwork while on exhibit, in transit, or on loan.
Installation Floater:
Cover the materials or goods the moment they are loaded on the vehicle until they are installed to use.
Motor Truck Cargo Coverage:
Protects client’s goods while your business transporting and delivering them to a specific location.
Inland marine policy fills out the gaps of your standard business property insurance. Your property insurance protects your tangible assets and contents stored on your business site that usually extends up to 1,000 feet away. While it does not cover the property that is stored beyond that distance or your business’s property that is in transit between sites, inland marine insurance will help cover that gap.
Does Your Business Need Inland Marine Insurance
Collisions or cargo theft are the most common causes of inland marine claims. Whether you're working off-site, shipping, or transporting goods to clients, inland marine insurance should be a part of your insurance package. To identify if your business needs this policy it is best to ask your insurance provider to decide if your business needs it. Because not all small business insurance needs it, your insurance agent will identify and help you decide whether you need it or not.
There’s a lot of risk in operating a business. Whether you manufacture or deliver goods or services, all of them affiliate with risk and threat. It is up to you as an owner to prevent your business from falling. Either you face it with consequences or protect the name and reputation of your company and fight with the right insurance coverage. If you need any help with insurance inquiries, feel free to send us an email or ring our phone number. We are all ears when it comes to your insurance questions.
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