Inland Marine Insurance in Texas & Kansas Protecting Your Business Assets On-Site and In Transit
Your equipment, tools, and materials are essential to keeping your business running smoothly — and many of those assets don’t stay in one place. Inland Marine Insurance helps protect valuable property while it’s being transported, stored off-site, or used at job locations away from your primary business address.
At Garrett Insurance Agency, we provide Inland Marine insurance solutions for businesses across Texas and Kansas, helping protect the assets that standard commercial property policies often don’t cover.
What Does Inland Marine Insurance Cover?
Inland Marine Insurance is designed to protect movable or specialized property that travels or operates off-site. Coverage can be customized for a wide range of industries and business needs, including:
- Transported Property & Equipment
- Contractor Tools and Machinery
- Computer Equipment & Data Systems
- Mobile or Temporary Equipment
- Artwork and Specialized Property
- Buildings Under Construction
- Materials in Transit or Storage
Whether your equipment is on the road, at a job site, or temporarily stored off-site, Inland Marine insurance helps safeguard your business from losses due to theft, vandalism, accidents, or damage.
Why Inland Marine Coverage Is Important
Standard commercial property insurance typically only covers assets located at your primary business address. If your business relies on transporting equipment, tools, or materials, that limitation can leave you exposed.
Inland Marine insurance fills that gap by:
- Protecting assets while in transit
- Covering property away from your main location
- Extending coverage for construction and installation projects
- Offering protection for high-value or specialized equipment
- Supporting businesses that operate across multiple job sites
Coverage can also be extended to include Ocean Marine protection for goods transported by sea or air, offering additional peace of mind for businesses involved in shipping or international transport.
Inland Marine Insurance for Texas & Kansas Businesses
Garrett Insurance Agency proudly serves businesses throughout Texas and Kansas, providing customized Inland Marine policies for contractors, manufacturers, retailers, service providers, and more. Our team takes the time to understand how your business operates so we can design coverage that fits your real-world risks.
Protect Your Business Assets Today
If your business relies on mobile equipment, transported goods, or off-site operations, Inland Marine insurance is essential. Let the experienced team at Garrett Insurance Agency help you secure the right coverage to protect what keeps your business moving.
Contact us today to speak with an Inland Marine insurance specialist and get a customized quote for your Texas or Kansas business.
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Frequently Asked Questions
What does an Inland Marine policy cover?
Inland marine insurance provides coverage for movable or transportable property, products, or equipment, as well as property owned by others but stored at the policyholder’s location. This insurance covers high-value items typically excluded from standard property coverage, helping to repair or replace damaged property due to events like theft, fire, wind, hail, and water damage. It also protects against loss or damage from accidents, mishandling, or undetermined causes.
What businesses need Inland Marine Insurance?
Contractors (tools, equipment at job sites), wholesalers and distributors (goods in transit), technology companies (mobile equipment), museums and galleries (fine arts), photographers (cameras, equipment), jewelers (inventory in transit), medical equipment companies (mobile diagnostic equipment), and any business with valuable property regularly away from premises or at multiple locations. It’s also commonly used to insure property leased or rented to others.
Does my Commercial Property policy cover equipment at job sites?
Standard Commercial Property policies typically provide limited or no coverage for property away from your premises. Inland Marine Insurance is commonly used for mobile equipment, tools at job sites, and property at temporary locations. Contractors need Contractor’s Equipment coverage (a type of Inland Marine) to protect tools, equipment, and machinery while working at client sites or stored at multiple locations.
What's covered under a Builder's Risk policy?
Builder’s Risk is a specialized property coverage often written within inland marine or commercial property programs, designed to insure buildings under construction and covered materials during the course of construction. It may protect the building under construction, covered materials, and certain supplies, equipment, or temporary structures at the job site, depending on the policy. Coverage applies during the construction period, subject to the policy’s covered causes of loss and exclusions. Builder’s Risk is temporary – usually written for the construction period plus 30-90 days. After construction, you need permanent Commercial Property Insurance.
OUR PROMISE TO YOU
- We will provide customized solutions and personalized products based on your needs.
- We will be available to you any time so getting important information will be easy for you.
- We will manage your risk as well as any claims that you file.
- We will ease your worry and protect your treasures by transferring identified risks to an insurance product, all the while keeping it simple to understand for you.
We welcome an opportunity to discuss your home insurance needs, so please contact us or give us a call. You can also request a quote if you’re ready to get started.