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Fills the gaps of traditional insurance policies

Commercial Inland Marine Insurance

Inland marine insurance is business insurance that helps cover a wide range of goods, tools, equipment, and other property transported over land. It may also cover property stored at a site other than a company’s main location. This coverage is designed to protect movable or specialized property that standard insurance policies may not be able to cover.

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What does Inland Marine Insurance cover?

Inland marine insurance helps protect your property, equipment, and materials while they are in transit, on the jobsite, or temporarily stored away from your primary business location.

  • Property in the course of construction – building supplies
  • Builders Risk – buildings under construction
  • Installation coverage – smaller remodeling jobs
  • Contractors Equipment – no matter where your equipment is located its covered
  • Property in transit

Business Insurance Knowledge Center

Inland Marine Insurance FAQs

Why do I need an inland marine insurance policy?

Inland marine fills the gaps of standard business insurance policies. You may need an inland marine policy if you do any of the following

  • Your business transports goods: When you transport goods, they face risks that standard property insurance does not cover. A clothing retailer could, for example, ship inventory from a warehouse to different store locations.
  • You have equipment at different sites: Tools and equipment that are frequently being transported between locations also see a variety of risk from theft to damage. Construction companies often must move heavy machinery and tools between construction sites, which an inland marine policy could help cover.
  • You store items off-site: Inland marine insurance can cover property and goods stored outside your main business address. Even if you have property insurance, that doesn’t mean it covers goods outside the main premises. Manufacturing companies that keep raw materials in a secondary storage location before distribution would need this coverage.

Contractors, trucking companies, Offices, manufacturers, retail stores, wholesalers and distributors, services businesses, restaurants, auto repair shops, landlord and rental properties.

The cost of general liability insurance depends on several factors, including your location, the number of employees, and the level of risk your business faces.

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Request a Business Insurance Quote Today

If you’re looking for reliable business insurance in Iowa or a local insurance agency that understands the unique risks your business faces, State Bank & Insurance is here to help.

Contact us today to request a customized business insurance quote and speak with a local agent about protecting your employees, property, and operations.

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