If your tools, equipment, or materials travel for work, inland marine insurance could be one of the most important policies you’ve never heard of. Designed to protect property in transit or stored offsite, this flexible coverage is a must-have for contractors, service professionals, and anyone whose business doesn’t stay in one place.
At San Clemente Insurance Agency, we help businesses in San Clemente, CA safeguard what keeps them moving. Call us at 949-369-0951 and let’s protect your tools, gear, and peace of mind—wherever the job takes you.
Despite its name, inland marine insurance has nothing to do with boats or water. Instead, it covers property that is mobile, temporarily offsite, or stored away from your business’s main location. This includes tools in a work van, construction equipment at a job site, or even valuable materials in storage.
If your business moves valuable property around town—or across the country—your standard property insurance likely won’t cover it. Inland marine steps in where other policies leave off.
Need help deciding if this coverage fits your business? Just give San Clemente Insurance Agency a call at 949-369-0951.
From contractors and IT firms to logistics and landscaping companies, inland marine insurance helps cover a wide variety of losses. Here are some real-world examples:
Damage in Transit
Expensive tools or inventory are damaged during transport between job sites or delivery locations.
Theft from Vehicle
A contractor’s truck is broken into overnight and tools worth thousands are stolen.
Storage Facility Loss
Items stored temporarily in a rented unit or job trailer are lost due to fire, flood, or theft.
Equipment Breakdown
Specialty mobile equipment is accidentally dropped or damaged on-site (endorsement may apply).
| Scenario | Estimated Cost | Covered? |
|---|---|---|
| Stolen power tools from contractor van | $7,500 | Yes |
| Damaged HVAC units during delivery | $11,000 | Yes |
| Fire at offsite equipment storage facility | $20,000 | Yes |
| Mobile diagnostic tool dropped onsite | $4,300 | Yes (with endorsement) |
This policy is ideal for businesses that rely on mobile tools, gear, or products. If you identify with any of the following, inland marine insurance may be right for you:
If you're unsure whether your existing policies provide enough coverage, call 949-369-0951 to speak with one of our specialists at San Clemente Insurance Agency.
Inland marine coverage fills a lot of gaps—but not all of them. It typically excludes:
Want to build a complete insurance plan? We can help. Just reach out to San Clemente Insurance Agency at 949-369-0951.
When your equipment is on the go, your coverage should be too. Inland marine insurance protects your tools, inventory, and gear while they’re out in the world doing what they were built to do.
Let San Clemente Insurance Agency help you safeguard your mobile assets in San Clemente, CA. Call 949-369-0951 today or fill out our online quote request form to get started.