Inland Marine · Florida
Florida Inland Marine Insurance: Tools, Equipment & Cargo
Your valuable tools and cargo do not stay in one building. Inland marine insurance protects your equipment on the job site and the road. We compare multiple A-rated Florida carriers.
What exactly does inland marine insurance cover in Florida?
Despite the confusing name, inland marine insurance has nothing to do with boats. In Florida, it is a commercial policy that protects your valuable property—like contractor's tools, heavy excavators, or high-value cargo—while it is being transported over land or stored temporarily at off-site job locations.
When Inland Marine Insurance Responds
Four losses that happen every week in Florida, and the part of an inland marine policy that pays for each.
The situation
Someone breaks into your locked work van overnight and takes your power tools.
What responds
A contractor's equipment or tools floater pays to replace them, minus your deductible.
The situation
A skid steer tips off its trailer on the turnpike and is badly damaged.
What responds
A contractor's equipment floater covers the machine in transit as well as on the job.
The situation
A water heater you are about to install is stolen from the job site before it goes in.
What responds
An installation floater covers materials until the work is accepted.
The situation
A fire in your shop damages laptops and phones that customers left for repair.
What responds
Bailee's customer coverage pays for the customers' property in your care.
Inland Marine vs. Commercial Property Insurance
The two policies split your property by one question: does it stay put, or does it move?
Commercial property
Covers your building and the furniture, stock and equipment kept at the address on the policy. Property taken off the premises is often limited to a small amount, or not covered at all.
Inland marine
Covers property wherever it goes: on the road, at a job site, in storage or at a customer's place. You list the items or set a limit for a class of property, and the coverage travels with it.
What Inland Marine Insurance Covers
Inland marine is a family of forms. Most Florida businesses need one or two of these.
Contractor's equipment floater
Tools, machines and heavy equipment, on the job, in storage or on the road. Trades that haul tools every day have their own pages: electrician insurance, plumbing insurance and tree service insurance.
Installation floater
Materials and fixtures you are installing, from delivery until the owner accepts the work. A building under construction needs builders risk insurance instead.
Motor truck cargo
Customer goods on your truck, when a crash, fire or theft damages the load.
Bailee's customer
Customer property left in your care for cleaning, repair or storage. Warehouses that store goods for other businesses answer under a law of their own, explained on our warehouse insurance page.
Have This Ready for Your Inland Marine Quote
- A list of tools and equipment with serial numbers and what each would cost to replace.
- Where the equipment is kept overnight: locked van, fenced yard or building.
- The value of a typical load, if you haul goods for others.
- Any theft or damage claims from the last five years.
Where can I get inland marine insurance in Florida?
American US Insurance is an independent, bilingual insurance agency headquartered in Kendall that places inland marine coverage for businesses across Florida. We start with the property that leaves your address: tools, machines, materials and customer goods. Each item gets a stated value first, so commercial inland marine insurance is priced on a list you have checked. We match the floater to your commercial property and auto policies, so nothing falls between them. We write it for contractors, haulers, installers and repair shops in Miami, Doral, Hialeah and across the state.
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Send us a list of your equipment and where it's stored. We compare multiple A-rated carriers to build a floater policy that protects your property on every job.
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- Renewal and claims help after you buy
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