Inland Marine Insurance in Overland Park, KS

Businesses that move equipment, inventory or specialized tools between locations face a coverage gap left behind by standard commercial property insurance. Commercial property policies protect assets at a fixed address, often leaving goods and equipment in transit or stored off-site without coverage. Inland marine insurance can close this gap, covering property on the move and assets temporarily held at job sites, warehouses or client locations.

What Does a Policy Cover?

Inland marine insurance can cover a range of movable or high-value business property, including:

• Contractor equipment and tools at job sites
• Inventory and goods in transit
• Electronic equipment used outside of a primary office
• Fine art, jewelry and collectibles being transported
• Medical and diagnostic equipment
• Installation property prior to its attachment to a structure

Covered causes of loss typically include theft, vandalism, accidental damage and certain weather-related events.

Why Do Businesses Need This Policy?

A theft or accident involving uninsured equipment can leave a business absorbing the full cost of repairs or replacements. For contractors, photographers, medical providers and equipment rental companies, those losses can be substantial enough to disrupt operations. A standard business owners policy (BOP) includes commercial property insurance, and, as such, will not typically extend coverage to property away from the company’s primary location.

How Our Team Can Help

We can help you identify coverage gaps and match you with policies suited to your operations.

Contact Walnut Risk Management today to discuss whether inland marine coverage is the right fit for your business or request a personalized quote.