Inland marine insurance California for contractors, trades, and businesses that move equipment, tools, and property between locations. Standard commercial property policies stop at your building's walls — inland marine coverage follows your equipment, materials, and inventory wherever the job takes them.
Commercial property insurance protects what's in your building. The moment equipment, tools, inventory, or materials leave your premises — to a jobsite, a client location, or in transit — a standard property policy stops providing protection. For California contractors and businesses that depend on mobile equipment to generate revenue, that gap is significant and often uninsured.
Equipment theft on California construction sites has surged in recent years. A stolen skid-steer, a truck full of tools taken overnight, or materials destroyed in transit can shut down a project and cost a contractor their entire job profit margin. Inland marine insurance fills the gap that property and auto policies leave behind.
Inland marine is one of the most flexible categories in commercial insurance — covering property that moves, has unique value, or is not adequately protected by standard commercial property policies.
Covers hand tools, power tools, and small equipment against theft, loss, and damage — whether stored at your shop, in a vehicle, or staged on a jobsite.
Broader coverage for heavy equipment — excavators, forklifts, skid-steers, and specialty machinery — anywhere in the continental U.S., including theft and accidental damage.
Covers materials, supplies, and equipment from the moment they leave the supplier through installation at the job site — filling the gap between the owner's builder's risk and your property policy.
Dedicated theft protection for jobsite equipment with no premises restriction — responds when equipment is stolen from job sites, staging areas, or overnight parking locations.
Covers business property being transported between locations — samples, displays, equipment, and materials moving in owned or non-owned vehicles.
Covers specialized equipment that doesn't fit standard property categories — cameras, survey equipment, and other high-value business tools with unique coverage needs.
Inland marine programs require matching the right coverage form to the actual equipment and operation. Wellington Partners Insurance Services has structured floater programs for California contractors and businesses across every trade.
Get an inland marine insurance California quote — start your quote or call (818) 492-4355.
Protect your tools, equipment, and mobile property with inland marine coverage from Wellington Partners Insurance Services. Call (818) 492-4355 or request a quote today.
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