Inland Marine Insurance

Learn more about Lunova’s Inland marine policies,  how they work, and why you may need one for your business in Massachusetts, Connecticut, Florida, North Carolina, Maryland, or Indiana.

What is inland maritime on business insurance?


Inland Marine Insurance is a type insurance that covers products, materials, and equipment when they are being transported by land transports, such as truck or train. This coverage helps protect business property that is mobile or is used for transport or communication.


What coverage is available for inland marine?


Inland Marine Insurance — Property insurance for property in transit across land, certain types and instrumentalities to transport (such as bridges and roads), instruments of communication (such television and radio towers), as well as legal liability exposures for bailees.


What is inland marine insurance?


Insurance for coastal marine does not include stationary property located at your primary location. Your business vehicles. Floods and earthquake damage.


Why is it called “inland marine coverage”?


It is called “inland marine insurance” because it covers the cost of insuring a vehicle that is transported over water. Because it is an offshoot from ocean marine insurance that protects property over water, this policy is called “inland marine insurance”. Marine insurance was the first, hence “inland” marine coverage for land transport.


What’s the difference between ocean and inland marine insurance?


Simply put, ocean marine is coverage for goods that move internationally. It can be used to transport cargo via land, sea, or air.


Is there liability for inland marine?


Inland Marine coverage can protect you from damages caused by accidents, theft, vandalism or total loss. Our Inland Marine policy protects your business from damage while you are on the move.


What is the cost of replacing inland marine vessels?


The following replaces the Valuation Commercial Inland Marine Condition: If the property is replaced, the value of Covered Property shall be the cost of replacing it with a similar property, without depreciation, but no more than the Limit of Insurance set out in the Declarations.


Are ‘Equipment floater’ is the same thing as inland marine?


Equipment floater insurance, one of the many types of property insurances, is more precisely defined as an inland marine policy. Inland marine insurance covers property that cannot or is not permanently attached to one location.


Is Inland Marine equivalent to cargo insurance?


Inland Marine policies are property policies that protect cargo and other property during transit, storage, or holding. Cargo Insurance is one type of Inland Marine Insurance.


What kind of business requires inland marine insurance?


Commercial inland marine insurance is required for businesses that operate off-site and move goods or products.


What is the difference between a marine claim and an inland marine claim?


The insured’s personal and business belongings are covered by an Inland Transit Insurance policy. Marine Cargo policy covers damage to goods imported to/from the country as well as within national borders by any means of transport.


Is marine insurance available for automobiles?


The following items are normally excluded from inland maritime insurance: Stationary property: This coverage is provided by standard commercial property insurance. Commercial auto insurance is required to cover vehicles used for business purposes.


Are commercial inland marine policies able to cover earthquakes?


Inland Marine Insurance–Differences in Conditions (DIC).


It is designed to provide primary protection against loss that are not covered by standard property forms such as flooding, water damage, and earthquake.


Is inland marine covered by business income?


In most cases, business interruption coverage can be found under property or inland maritime insurance. These types of exposures are less common than coverage that covers off-premises losses of business income.

Is commercial inland marine coverage available for flood?


Fire, lightning, flood, earthquake and landslide are some of the most common perils that an Inland Marine policy covers.


Why is it that inland marine insurance policies are often called floaters?


Because they cover property that is “floating” or “moves around”, inland marine policies are often called “floaters”. Inland marine coverage is required. You can also use inland marine to insure fine arts and musical equipment.


Is commercial inland marine coverage subject to wear and tear?


Exclusions from all risk coverage include normal wear and tear or gradual deterioration. You can either purchase Inland Marine as a standalone policy or combine it with commercial lines to create a complete defense for your business.


Is there a risk that inland marine policies are open to peril?


It usually includes a list with exclusions, which lists the events that the policy doesn’t cover. Most policies that cover open perils include coverage for fire, windstorms and natural disasters. You should carefully read the exclusions to ensure you understand exactly what is covered.


What is a commercial insurance package policy?


A commercial package policy (CPP), is exactly what it sounds. It’s a combination of several commercial policies. A commercial package policy covers two or more coverages, such as commercial property and commercial general liabilities, business crime and equipment breakdown.

Learn more about “Inland Marine Insurance” by requesting a quote at

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