Inland Marine & Contractor Equipment Insurance
Protect the tools, equipment and trailers you own, rent or haul to job sites — theft, damage and loss while away from your shop — backed by an independent agency that shops 30+ carriers on your behalf.
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One application. 30+ carriers. A licensed agent reviews every quote.
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Built Around the Equipment You Rely On
Inland marine covers movable property that standard property and auto policies often leave out.
Heavy Equipment
- Skid steers, loaders & excavators
- Mini excavators & compact equipment
- Lifts & specialty machinery
Tools & Power Equipment
- Hand & power tools
- Generators, compressors & welders
- Employee-owned tools (optional)
Trailers & Attachments
- Utility & equipment trailers
- Buckets, blades & attachments
- Plows, spreaders & mowers
Rented & Leased Equipment
- Equipment you are responsible for
- Short-term job rentals
- Leased machinery
Property in Transit
- Tools & materials on the road
- Loading & unloading exposure
- Theft from vehicles & trailers
Installation & Job-Site Materials
- Materials awaiting installation
- Property stored at job sites
- Installation floater options
Ways to Structure Equipment Coverage
Choose scheduled, blanket or a mix — whichever fits how you own and use your equipment.
Scheduled Equipment
Each item listed with its own value
Blanket Coverage
One limit across tools & small equipment
Installation Floater
Materials not yet installed at job sites
Rented & Leased
Equipment you are responsible for
Options Worth Asking About
Rental ReimbursementCost of renting a substitute while your equipment is down
Employee ToolsTools your crew owns and brings to the job
Replacement Cost ValuationPays to replace, not just depreciated value
Property of OthersCustomer property in your care
Theft ConditionsWe review locking and security requirements before you buy
Coordination with AutoSo nothing falls between your equipment and auto policies
Expensive or Unusual Equipment? We Can Still Help.
Some businesses carry higher-value machinery, specialty trailers or equipment used in unusual ways. Those need different underwriting than a truck full of hand tools. As an independent agency, if one carrier's program doesn't fit, we go to the next one in our lineup of 30+.
Talk to an Agent About Your OperationsWhere We Write Business
Licensed to serve contractors and equipment owners across the Midwest.
Inland Marine & Equipment Insurance FAQ
What is inland marine insurance?
Despite the name, it is not about boats. Inland marine covers movable property such as tools, equipment and property in transit that a standard property policy often does not.
Doesn't my commercial auto cover the tools in my truck?
Typically no. Auto covers the vehicle; tools and equipment usually need their own equipment coverage.
Do I have to list every tool?
Not always. Larger items are usually scheduled individually, while smaller tools can often be covered under a blanket limit.
Is rented equipment covered?
Many equipment policies can include rented or leased equipment you are responsible for. Rental agreements vary, so we review yours.
Does it cover theft from a job site or trailer?
Theft is a main reason people buy it, but terms differ by policy, including security requirements. We review the conditions before you buy.
Let's Get Your Equipment Covered
Tell us what you own, rent and haul, and we'll shop your options across our full carrier lineup.
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