Inland Marine Insurance covers movable property: tools, equipment, and cargo that travel between job sites, clients, or warehouses. Despite its name, inland marine is for land-based risks, not sea transport. In ye old days of insurance, marine insurance covered ships wherever they were at sea... at some point someone wanted that- but for land, and inland marine was born. Standard property insurance only protects items at your main location. If you move equipment, materials, or shipments, inland marine insurance fills that coverage gap.
Coverage for Equipment, Tools, and Goods: Wherever Your Business Takes You
Protection for Contractors, Shippers, Manufacturers, and More
Contractors and trades
Covers tools, equipment, and materials at multiple job sites or in transit.
Logistics and trucking
Insures cargo you transport, from one pallet to full truckloads.
Manufacturers and distributors
Protects goods during shipment- your property is covered from your door to your client’s.
Tech, healthcare, and specialty businesses
Mobile equipment, expensive devices, or property at third-party locations.
Keep Your Business Moving | No Matter What Happens
Equipment Floater Insurance:
Covers high-value tools and machinery, even while moving or stored offsite.
Cargo Insurance:
Protects products or materials from loss or damage during shipping, whether you use your own trucks or third-party carriers.
Installation Floaters:
Covers materials from warehouse to final installation, crucial for contractors and building materials clients.
Bailee’s Customer Coverage:
Protects property you hold for customers: dry cleaners, repair shops, and more.
Goods-in-Transit:
Insures property anywhere in California, from port to job site to end customer.
Standard property policies often exclude or limit off-site and in-transit coverage. Don’t assume you’re protected without reviewing your policy.
Local Threats Demand Mobile Protection
California businesses lose millions yearly to tool theft at job sites and cargo losses in transit. Our clients have recovered quickly from major thefts and shipment accidents because their coverage traveled with their business. Whether you’re operating in LA, moving goods from Long Beach, or working remote job sites across the state, we know the risks and help you close every gap.
We Handle the Details | You Stay Focused on Business
Miller United specializes in construction, manufacturing, and logistics risks. We schedule your high-value equipment, tailor limits for tools, advise on theft prevention, and help file fast claims when something goes wrong. For cargo, we cover one-time or annual shipments and work with 214+ carriers to keep rates competitive and coverage robust.
FREQUENTLY ASKED QUESTIONS
Answers to Common Inland Marine Insurance Questions
What’s the difference between property insurance and inland marine?
Property insurance covers items at a fixed address. Inland marine follows your property wherever it goes.
Is theft at a job site covered?
Yes, with proper tool/equipment floater coverage. Our policies are built for California’s high-theft environments. Just make sure someone signs for the shipment at the site.
Do I need this if I rent or lease equipment?
Many contracts require it. We can insure rented and leased equipment so you’re always protected.
How much does coverage cost?
Policies are flexible, covering anything from a few thousand to millions in mobile assets. We tailor to your needs and budget.
Don’t Let One Loss Stall Your Business.
Request an Inland Marine Quote
Protect your tools, cargo, and equipment—wherever your business goes. Get a fast quote from Miller United Insurance and safeguard your assets in motion.
