Inland marine insurance, often called tools and equipment coverage, protects contractor property that moves from place to place, such as tools, machinery and equipment at job sites or in trucks. Commercial property policies usually cover items only at a listed location, so contractors in South Florida rely on inland marine for gear on the go.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
What does contractor’s equipment coverage protect?
It can cover hand tools, power tools, ladders, scaffolding, generators and heavy equipment against theft, fire, vandalism and other covered causes.
Coverage follows the equipment to job sites, storage yards and while in transit.
Why is theft coverage important?
Tool and equipment theft from job sites and trucks is common. Replacing stolen gear quickly helps you avoid project delays.
Some policies require tools to be locked in a vehicle or secured on site, so know your conditions.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
How do I choose limits?
List your equipment with values, serial numbers and photos. Scheduled items over a set value are often listed individually.
We help you set limits and deductibles that match how you work.
Frequently Asked Questions
Does my commercial auto policy cover tools in my truck?
Usually not. Tools are typically covered by inland marine coverage.
Does inland marine cover rented equipment?
Many policies can add coverage for equipment you rent or borrow.
Is inland marine part of general liability?
No. General liability covers injuries and damage to others, not your own tools.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
