Coverages / Inland marine (tools and equipment)
Tools · 23 of 37 trades
Inland marine (tools and equipment)
Your tools, equipment and materials in transit or on a job site, which a property policy excludes once they leave your premises. Not required by law.
- 1Trades carrying it 23 of 37
- 2Highest injury rate 5.6 per 100
- 3Lowest of them 1.5 per 100
- 4Typical requirer Trades that carry tools an
What it is for
A commercial property policy covers things at your address. The moment tools, equipment and materials go into the van or onto a site they are "inland marine" — the name is a relic of cargo insurance — and need a floater or contractor's equipment policy. For most trades on this list the tools are the business's main asset and the most frequently stolen one.
How it is bought
Trades that carry inland marine (tools and equipment)
Trades that carry tools and equipment to sites. On this site, 23 of 37 trades list it, from carpet and upholstery cleaning services at 5.6 recordable cases per 100 workers to site preparation (excavation) contractors at 1.5.
What to ask a broker
- What the policy excludes that your work actually involves.
- Which contracts or licences require this line and the limit they name.
- Whether it is a standalone policy or an endorsement, and what the deductible is.
Coverage descriptions are editorial. Legal figures: 49 CFR 387.9 — Schedule of limits, public liability (eCFR). Injury rates: BLS Survey of Occupational Injuries and Illnesses, Table 1 (2024), incidence rates per 100 full-time workers. Checked 2026-10-23.