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What does inland marine cover?
If you regularly ship high-value products or equipment, inland marine covers you in the event of theft, loss, or damage. Such items may include:
- Computer equipment
- Heavy machinery
- Specialized technology
- Medical equipment
- Specialized goods
- Fine art
Commercial property insurance only covers goods at your property
Inland marine is considered a “floater policy” because it goes wherever your cargo goes. Commercial property insurance does not cover your items while they are in transit either to or from your place of business.
Speciality types of inland marine
Inland marine policies can be customized to fit your business. Here are some types of inland marine insurance policies for specialized businesses.
Won’t my basic property insurance cover shipped goods?
Basic business insurance typically provides some level of protection for your goods in transit, but it’s often not sufficient to cover a load of expensive equipment. That’s why South Carolina businesses, who often ship goods to and from our ports and warehouses, choose to purchase inland marine. Inland marine covers specialty equipment and high-value items that your other business insurance policies may not cover.
Inland marine is for more than just goods
Many South Carolina business owners purchase inland marine insurance to cover the cost of their goods being shipped around the country, but that’s not the only thing this type of business insurance covers.
If you are regularly shipping any type of valuable items, such as materials you need for sales presentations or trade shows, inland marine also covers those important items from theft, loss and damage.
Also, if you regularly ship customer property, inland marine protects you from paying the replacement price if their items are lost or damaged.
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