Inland Marine Insurance Solutions

Inland Marine Insurance

Specialized Protection for Moveable Assets and Those in Transition

Safeguard mobile equipment, materials and specialized assets wherever your work takes you, from transit to jobsites to temporary storage. Our coverage is designed to meet the complex risks of midsize and large businesses.
 
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Inland Marine Insurance

What Is Inland Marine Insurance?

Inland Marine insurance helps protect tools, equipment and property that move from place to place or are used and stored away from a main business location. It can help cover items if they’re damaged, lost or stolen while in transit or at a job site.
 
Unlike ocean marine insurance, which covers goods transported over water, Inland Marine insurance focuses on property moved over land or used off‑site.
 

What Does Inland Marine Insurance Help Cover?

Inland Marine insurance can be designed to help protect:
 
  • Equipment, tools and materials that move from place to place
  • Property in transit that is shipped or transported over land
  • Temporary structures and project-related property (where applicable)
  • Property of others while it’s on a business’ premises or in their control
  • High-value or specialized assets that need more tailored protection
This solution is designed for midsize and large organizations.
 

Who Needs Inland Marine Insurance?

If a midsize or large business works off-site, moves property or handles property owned by others, Inland Marine coverage may be a smart part of a business’ risk management program.
 

Construction

Construction businesses often need coverage that helps protect equipment, tools and materials on the move or at jobsites. An example could be materials delivered to a renovation site before installation.
 

Technology and Specialized Equipment

Technology companies often need help protecting high-value equipment, especially for complex projects and installations. Inland Marine insurance can help cover specialized equipment staged temporarily before commissioning.
 

Transportation and Logistics

Inland Marine insurance is designed to help support businesses responsible for goods while they’re being shipped or stored. For example, a logistics provider might need coverage when moving customer freight between facilities.
 

Equipment Rental and Sales

Rental companies often need help protecting inventory and equipment that is rented, leased or sold, including rental equipment delivered to multiple customer locations.
 

Warehousing (Property of Others)

Inland Marine coverage can help address exposures when a business stores, secures or manages property that belongs to someone else. This could include customer inventory stored in overflow space during peak season.

Types of Coverages

Miscellaneous Inland Marine

The Hartford also offers coverage for specialized property that’s mobile, off-premises or owned by others and doesn’t fit standard categories. Examples include Fine Arts and Bailee Processor coverages.
 
 
 

Inland Marine vs. Commercial Property Insurance

Both Inland Marine and commercial property insurance are important. The difference is usually where the property is and how it’s used. If a business’ exposures shift by project, location or season, Inland Marine can help fill important gaps.
 
Commercial property insurance often focuses on property at a fixed location (like a building and its contents).
Inland Marine insurance often focuses on property that moves, is in transit, is at jobsites or is temporarily stored.
A forklift driver

Why Choose The Hartford?

The Hartford’s Inland Marine team understands specialized property risk and builds coverage around real operational needs for midsize and large businesses.
 

What to expect:

  • Inland Marine specialization and niche underwriting knowledge
  • A range of solutions for complex property exposures
  • Claims support designed for time-sensitive situations

Frequently Asked Questions About Inland Marine Insurance

It traces back to ocean marine insurance for goods shipped by water. As shipping expanded beyond ports and moved over land, Inland Marine evolved to help cover property in transit and at changing locations.
It can help protect movable property, property in transit, temporarily stored property and property owned by others while it is in the insured’s care or on the premises.
Inland Marine insurance typically does not cover all types of business property. Reviewing policy terms and coverage limits can help ensure mobile property is properly insured and prevent coverage gaps. While coverage varies by policy, common exclusions often include:
 
  • Buildings and permanently installed property, which are usually covered by commercial property insurance
  • Normal wear and tear, deterioration or mechanical breakdown
  • Employee theft or dishonesty, unless additional coverage is added
  • Intentional damage or illegal acts
  • Vehicles and vehicle‑mounted equipment, which are generally covered under commercial auto insurance
  • Certain high‑value or specialized items that are not specifically listed or scheduled on the policy
Many businesses carry both. Commercial property often focuses on fixed locations, while Inland Marine can address mobile, in-transit or off-site exposures. 
Common buyers include construction, technology, transportation/logistics, equipment rental/sales and businesses that store or handle property of others.
It can, especially for tools and equipment that move between locations or are used off-site, depending on the form and terms.
Yes. Inland Marine solutions can be structured to address exposures for solar and other alternative energy equipment and related operations.

Insights To Help Navigate Inland Marine Risks