Property that moves, projects under construction, customer property in custody and freight in transit — the cover that standard property forms don't reach. Already appointed? Send us the account. New here? Apply for appointment below.
Inland marine is the category of cover for property that moves, sits off-premises, or belongs to others in the insured's custody. It includes contractor's equipment, builder's risk, motor truck cargo, bailee's coverage and fine-art transit — written on dedicated forms with specialty carriers.
Standard commercial property covers assets at a fixed location. Anything that moves — contractor's equipment, tools, mobile equipment, materials in transit — needs inland marine, which covers property in motion or off-premises.
Builder's risk (a form of inland marine) covers projects under construction, including the structure, materials on site and in transit. It's the cover that fills the gap between project start and when the owner's property policy picks up.
If customer property sits in the insured's custody — jewellery being repaired, fine art being framed, computers being serviced — bailee's cover (an inland marine form) is what responds when something is lost or damaged.
Motor truck cargo (for carriers) and shipper's interest (for owners) both sit in inland marine. Standard property and auto don't reach freight in transit — the cargo cover does.
Tools, mobile equipment, generators, scaffolding and other property that travels with the crew — on site, in transit and stored off-premises.
Cover for projects under construction — the structure being built, materials on site and materials in transit — until the owner's property cover takes over.
Liability for property belonging to others in the insured's custody — repairers, processors, dry cleaners, fine-art framers and similar bailees.
Motor truck cargo for carriers transporting freight, plus shipper's interest for owners shipping their own goods.
Building, contents and stock at a permanent location sit with commercial property, not inland marine.
Inland marine covers sudden, accidental loss. Wear, gradual deterioration and mechanical breakdown are excluded — though some forms add equipment-breakdown sub-coverage.
Long-term off-premises storage may need a different form — warehouse legal liability or a stock-throughput policy — rather than transit-focused inland marine.
Contractor's equipment and builder's risk — for tools, mobile equipment and projects under construction.
See the pageMotor truck cargo for freight in the carrier's custody — with cargo forms matched to how it loads and stops.
See the pageGoods in transit, machinery and equipment moving between facilities — sized to actual movement.
See the pageBuilder's risk and project-data forms — for the property aspects of design-build and integrated delivery.
See the pageBuilder's risk for renovations and improvements — and bailee cover for property held during the project.
See the pageEvery submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
No 40-page form, no repeated questions. Send what you've got and we take it from there.
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