When Off Business Premises
What is Inland Marine Insurance?
Inland Marine Insurance protects transportable business property while you're away. When you are working off-site, your businessowners policy doesn't always cover your tools, equipment and computers, and this can put your business at risk. We offer commercial inland marine insurance needed to cover most business property including contractors' tools and equipment.
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What is Covered?
Inland marine insurance generally covers property that is mobile in nature. It often covers property that needs broader protection than what may be provided by the typical property policy. Examples are:
- Computers/computer systems
- Tools and equipment for artisan contractors (from mobile equipment to hand tools)
- Fine Art Dealers/Galleries (covers the fine art and tools/equipment used in conjunction with fine art)
- Photographer's camera equipment
- Motor Truck Cargo (covers the goods being carried by an insured trucker)
- Transportation Form (covers goods shipped by or to our insured via common carrier)
- Animals (provides coverage for theft, escape, or death resulting from specific perils. Suitable for non-veterinary animal-related businesses)
- Veterinarians (covers animals belonging to others while in the custody of the Veterinarian)
- Vending Machine Form - used to cover vending machines (not the contents)
- Dealers Service Form - covers equipment used by servicing contractors / installers (appliances, flooring, plumbers, etc.)
Contact your State Farm agent today for assistance in determining your inland marine insurance needs.
This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.
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