Inland Marine and Tools
Protection for tools and mobile equipment that move with the work.
Inland marine and tools coverage may help address covered loss or damage to tools, equipment, and mobile property that moves between locations or job sites. It is often reviewed by contractors, trades, and businesses with mobile assets.
Coverage is subject to policy terms, limits, and exclusions.
Information to Prepare
- • Tool and equipment inventory and values
- • Where equipment is stored and used
- • Transit and transportation details
- • Job site locations
- • Current policies, if any
- • Security and storage practices
What This Coverage May Help Address
- Covered theft or damage to tools and equipment
- Covered loss of mobile property at job sites
- Certain transit exposure for goods and equipment
- Protection for property that moves with the work
Common Scenarios
- Tools are stolen from a job site or vehicle
- Equipment is damaged while in transit
- Mobile property is lost between locations
- A contractor's gear is damaged on a project
What May Not Be Included
- ✕ Liability for third-party injury or damage
- ✕ Employee injury and workplace incidents
- ✕ Vehicle damage addressed by commercial auto
- ✕ Property at a fixed location addressed by commercial property
Who May Benefit
- Contractors and skilled trades
- Businesses with mobile equipment
- Operations that move tools between sites
- Companies with transit exposure for goods
Inland Marine and Tools — Frequently Asked Questions
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Availability, eligibility, underwriting company, terms, and coverage options vary. Speak with the agency to determine which products may be available for your business.
Some commercial insurance products may be offered by, administered by, or referred to third-party companies that are not affiliated with Texas Business Insurance. Each insurer is solely responsible for the products it issues and its financial obligations.
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