Tools and equipment
Covers the gear you take to job sites against loss, theft, or damage.
Inland marine
insurance for property on the move.
Inland marine covers your tools, equipment, and goods while they're in transit or away from your business's main location.
Types of Coverage
What does inland marine cover?
The core protections included, explained in plain terms — and when each one kicks in.
Covers the gear you take to job sites against loss, theft, or damage.
Protects goods and materials while being moved between locations.
Covers your property while stored or in use at a customer's site.
Extends coverage to equipment you borrow, lease, or rent.
Property in transit
Protects goods and materials while being moved between locations.
Job-site property
Covers your property while stored or in use at a customer's site.
Leased or rented gear
Extends coverage to equipment you borrow, lease, or rent.
Who it's for
Who needs inland marine insurance?
Contractors, tradespeople, installers, and any business whose valuable property regularly leaves the office need inland marine coverage.
Small businesses
Running your own business means you've got enough on your plate.
Wholesalers
Manufacturers
Retailers
Construction Companies
Restaurants
Bars
Laundromats
Real Estate Agencies
Lawyers
Auto Services
Architects
Dentists
Doctors
Hotels
Farmers
Startups
Ecommerce
Small businesses
Running your own business means you've got enough on your plate.
Startups
Ecommerce
Why us
Why work with Coverdash?
Tailored coverage from the nation's leading insurers, competing to save you up to 40%. From quote to coverage in clicks, not weeks.
Total transparency
See real quotes and real prices from top-rated insurers, side by side. No hidden terms, no jargon, no surprises at renewal.
Fully digital
Quote, buy, and manage all your coverage online. Download documents, make changes, and add policies anytime, instantly.
A dedicated advisor
Every policy comes with a dedicated advisor who knows your business and grows with you, from your first quote through every renewal.
Total transparency
See real quotes and real prices from top-rated insurers, side by side. No hidden terms, no jargon, no surprises at renewal.
Fully digital
Quote, buy, and manage all your coverage online. Download documents, make changes, and add policies anytime, instantly.
A dedicated advisor
Every policy comes with a dedicated advisor who knows your business and grows with you, from your first quote through every renewal.
Complete your coverage
What other business insurance do you need?
Inland marine covers property on the move. Here's what commonly pairs with it.
General Liability
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
General liability and property coverage bundled, usually for less than buying them apart.
General Liability
Covers third-party claims for bodily injury, property damage, and personal injury.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, and weather damage.
Business Interruption
Replaces lost income when a covered event forces you to temporarily close.
Equipment Breakdown
Covers repair or replacement when essential equipment fails unexpectedly.
Required in nearly every state the moment you hire.
Medical Expenses
Covers the cost of treating work-related injuries and illnesses for your employees.
Lost Wages
Provides a portion of an injured employee's wages while they're unable to work.
Disability Benefits
Pays long-term benefits for employees who can no longer work due to a work-related injury.
Employer Liability
Protects you if an employee sues over a workplace injury not covered by workers' comp.
Coverage for the vehicles your business owns or uses.
Third-Party Injury & Damage
Covers injuries or property damage your business vehicle causes to others.
Physical Damage
Covers repairs to your vehicle after a collision, theft, or weather event.
Medical Payments
Covers medical costs for you and your passengers after an accident.
Uninsured Motorist
Protects you when an at-fault driver has no insurance or too little.
Protection when your work or advice is called into question.
Errors & Omissions
Covers claims that your work, advice, or services caused a client financial harm.
Defense Costs
Pays legal fees to defend you even if the claims against you are groundless.
Settlements & Judgments
Covers court-awarded damages or negotiated settlements up to your policy limit.
Negligence Claims
Protects against claims that you failed to perform your professional duties adequately.
Protection when your data or systems are compromised.
Data Breach Response
Covers notification costs, credit monitoring, and crisis management after a breach.
Ransomware & Extortion
Pays ransom demands and remediation costs from ransomware attacks.
Business Interruption
Replaces income lost when a cyber attack forces your operations to stop.
Legal & Regulatory Defense
Covers attorney fees and fines stemming from data protection law violations.
We cover a lot more than the basics.
Explore the rest of the coverages we offer for small businesses.
Umbrella / Excess
Commercial Property
Product Liability
Liquor Liability
Commercial Crime
Inland Marine
Management Liability
Employment Practices
50 K+
Policies Sold
40 +
Top Rate Insurers
2.5 K+
Industries Covered
Trusted by 40+ leading carriers
As seen in 
Frequently asked questions
Inland Marine insurance FAQs
We're here to help answer any questions you might have about coverage.
It covers movable business property — tools, equipment, and goods — while it's in transit or away from your primary location, where standard property policies fall short.
The name is historical — it evolved from ocean marine coverage for goods in transit. Inland marine covers property moving over land.
Often, yes. Commercial property typically only covers assets at your listed address. Inland marine covers the same assets once they leave it — at job sites or in transit.
Contractors, electricians, plumbers, landscapers, photographers, and any business that transports valuable equipment or goods to where the work happens.
Loved by businesses
4.7
Avg. Customer Rating
50 K+
Policies Sold
“Outstanding experience all around. They were thoughtful, efficient, and delivered exactly what I needed for my company’s insurance and no upselling, just straightforward guidance. Would absolutely work with him again.”
Patrick S.
“I found them while searching for new commercial insurance. They are fantastic. The one thing that is most important is communication. They do a great job with communicating everything with us, along with trying to find us the best deal possible. I would recommend Coverdash to others.”
Lisa S.
“Coverdash has been amazing to work with! They listened, truly listened, to what I needed. I am in a niche market, and no one from the 10 other companies I tried to work with would listen. They were quick to make progress on a quote and kept me in the loop the whole way. I would 💯 suggest working with them.”
Mandy M.
“My csr has been wonderful!!! The most helpful and quickly, very quickly helped me get certificates to the marinas. Excellent at explaining and helping me!!!”
Terry N.
“Coverdash did a great job of getting us a quote and saving us money! They did well at communicating and answering our questions.”
Bonnie M.
“What a good experience . I had been unsuccessful in trying to get General liability for my business . They were very professional and tireless in getting two bids for me .They were patient with my struggles trying to navigate the technical end of things telling me they would help me every step of the way and they did just that ..even reading the exclusion to me .. They were patient in explaining all the terms I did not understand and sent copies of everything . They were prompt to respond to my calls and I will definitely use them again for all my insurance needs.”
Joey W.
“They helped me secure & submit insurance requirements with less than a 24 hour timeline. It was the difference between getting a contract or not for me, even though the time crunch wasn’t their problem, they helped me secure what I needed to make it happen. When AI and computers have limits, a real person knows how to get past hurdles. Highly recommend Coverdash, so glad I found them.”
Whitney C.
“I reached out to Coverdash for assistance with a COI, they were responsive and helpful throughout the process. I appreciate all their efforts to get a COI that suited my needs.”
Michael C.