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Inland Marine Insurance

Don’t leave your high-value business property up to chance during transit. Enhance your business policy with inland marine insurance for additional coverage and peace of mind.

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What Is Inland Marine Insurance?

Inland marine insurance helps provide financial protection for your business property, such as products, materials, tools, and equipment, while it’s in transit over land or stored at an off-site location. Inland marine insurance coverage was also designed to insure exposures that cannot be confined to a fixed location, such as property under construction, computerized equipment, and more.

Many inland marine policies provide coverage regardless of location. These are often called “floater” policies because they provide coverage that follows your insured property.

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Need to File an Inland Marine Insurance Claim? 

Call us at 800.243.0210, option 3, to report your claim — we’re here to help 24 hours a day, 365 days a year. 
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What Does Inland Marine Insurance Cover?

Inland marine insurance coverage helps protect your items when in transit from a variety of risks, such as theft, fire, wind, and hail. Examples of covered items include:

  • Construction equipment
  • Computer, television, video, sound, or radio equipment
  • Fine art and collectibles
  • Medical diagnostic equipment
  • Property in transit over land
  • Property under construction

Wondering what inland marine insurance does not cover? While these policies can provide coverage related to movable property, they typically exclude vehicles and intentional damage.

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Businesses That Benefit

Who Needs Inland Marine Insurance?

If your company regularly ships valuables, transports materials, or stores items off-site, you may want to consider adding inland marine insurance to your commercial policy. Here are just some of the businesses and industries that could benefit from an inland marine policy:

  • Antique dealers
  • Art dealers
  • Contractors
  • Dry cleaners
  • Equipment dealers
  • Landscapers
  • Medical offices
  • Photographers
  • Videographers

Common Types of Inland Marine Coverages

At Westfield, our inland marine insurance includes a variety of different forms and endorsements, so you can tailor your policy to your unique business needs. Here are just some of the most common coverages* we provide:  

  • Bailee’s Customer Coverage – Protects client property left in the care of your business.
  • Builder’s Risk Insurance – Protects structures and materials during new construction projects or renovations.
  • Computer Coverage – Covers your personal computers, mainframe computers, and data processing equipment.
  • Installation Floater – Provides coverage for building materials while a project is being installed at a job site. This includes supplies, machinery, and equipment. 
  • Contractor’s Equipment Insurance – Covers mobile tools and heavy equipment that are used by contractors.
  • Electric Data Processing Insurance (EDP) – Protects electronic devices, such as computers and storage devices, as well as the data they contain.
  • Fine Art Coverage – Keeps valuable items protected while on exhibit, in transit or on loan.
  • Transportation Coverage – Provides coverage for your cargo shipments whether you choose to ship by common or contract carriers, railroads, airlines, or your own vehicles.
Customize Your Policy

Explore Other Add-On Coverage Options

General Liability

Coverage for when bodily injury or property damage happens on your premises, regardless of whether you’re legally responsible.

Commercial Auto

Protection for the vehicles your business owns, hires, or borrows and the employees who drive them. 

Commercial Property

Coverage for your buildings, your business property, and the personal property of other people.

Commercial Cyber

Insurance that provides first- and third-party coverage against losses like data breaches, extortion, and ransomware. 

Crime Insurance

Protection against theft of money or property inside or outside your premises under certain circumstances.

Equipment Breakdown

Coverage for the cost to repair or replace equipment and any property damaged by the equipment breakdown.

Commercial Umbrella

Protection beyond the limits of your business policy that is typically used for larger exposures.

Workers’ Compensation

Coverage that pays for the medical care, rehabilitation costs, and lost income of employees who are injured on the job.

Business Interruption

Coverage that keeps the cash flowing and helps you meet your obligations while working to get back in business.
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Inland Marine Insurance Quotes

With our extensive underwriting experience and robust endorsements, we are well-equipped to provide you with inland marine insurance that’s tailored to your business needs. If you are considering inland marine coverage or have questions, contact a Westfield agent today.
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Inland Marine

Frequently Asked Questions

Yes, inland marine insurance typically covers theft. 

There is no set price for inland marine insurance because the cost depends on a variety of factors, including:

  • Your industry
  • Property value
  • Claims history
  • Coverage limits

The best way to determine how much you’ll pay for inland marine coverage is to get a quote from one of our helpful agents. Find an agent near you to get started.

Typically, you can add inland marine coverage to another policy, such as a commercial policy or business owner’s policy (BOP). If you need inland marine insurance, make sure you’re choosing a provider that understands the unique needs of your business. A Westfield agent can help you determine the coverage that’s right for you. Contact an agent to get started. 

These policies are called inland marine insurance because they’re an offshoot of marine insurance, which originally protected goods being shipped over water. As ground transportation, such as trucks and trains, became more common, insurance companies adapted by creating “inland marine insurance” and “ocean marine insurance.”

*Please review your actual policy language to see applicable coverages, limits, and exclusions.