Inland Marine Insurance

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Inland Marine Insurance, combined with risk management solutions and business insurance, helps protect businesses from risks associated with goods, property, and equipment during transportation or storage. This coverage is crucial for companies that ship goods, work in construction, or handle valuable items in transit. It helps manage potential losses that can occur when goods or equipment are moved from one location to another.

What Is Inland Marine Insurance?

Inland marine insurance covers property that is being moved, stored, or transported from one location to another. This includes machinery, tools, and inventory. Although the term “marine” may suggest it’s for water-based transportation, inland marine actually applies to goods being moved or stored on land—think of things like construction equipment, tools, or inventory. It protects businesses against the financial losses that can happen during these processes.

Unlike standard property insurance, which only covers items at a fixed location, inland marine insurance provides protection for goods, tools, and materials while they’re in transit or stored temporarily.

Why Is Inland Marine Insurance Important?

Inland marine insurance helps businesses protect valuable property, especially when it’s being moved or stored. Here’s why it’s so important:

Protects Valuable Property

It covers essential items like tools, machinery, and inventory that businesses rely on.

Risk Management

It reduces the financial impact of potential losses when property is damaged or lost during transport or while stored elsewhere.

Customizable Coverage

You can adjust the policy to suit the specific needs of your business.

Coverage for Goods in Transit

Whether it’s shipping goods or moving construction equipment, inland marine insurance ensures that your property is protected against accidents, theft, or damage.

What Does Inland Marine Insurance Cover?

Inland marine insurance offers protection for several types of property risks, including:

Property in Transit

It covers items being moved from one place to another, whether by truck, rail, or another method of transportation.

Bailee's Coverage

This protects businesses when they are temporarily holding someone else’s property, like when a delivery company stores items for a client.

Equipment Coverage

It protects expensive tools and machinery from damage or loss during transport or while stored off-site.

Business Property

It covers goods that are temporarily stored at locations like warehouses or job sites.

Explore the Types of Business Insurance

Comprehensive business insurance and risk management services designed to protect your assets, employees, and profits from unforeseen events.

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Ensure coverage for claims related to wrongful termination, discrimination, or harassment through employment practices liability insurance.

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Secure your business against environmental damage, cleanup costs, and related legal expenses with environmental liability insurance.

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Protect your business from financial losses due to fraud or theft by employees with fidelity and crime insurance.

Fiduciary Liability Insurance

Provide coverage for claims arising from the mismanagement of employee benefit plans with fiduciary liability insurance.

General Liability Insurance

Obtain fundamental protection for bodily injury, property damage, and advertising injury claims with general liability insurance.

Inland Marine Insurance

Cover your business assets in transit or stored off-site with inland marine insurance.

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Get comprehensive coverage for ransom payments and crisis management for high-risk operations with kidnap and ransom insurance.

Professional Liability Insurance

Protect your business against claims of negligence, errors, or omissions in professional services with professional liability insurance.

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Your business meets its contractual obligations with surety bond insurance.

Umbrella Insurance Policy

Extend your coverage beyond standard policy limits for added protection with an umbrella insurance policy.

Workers Compensation Insurance

Cover medical expenses and wages for work-related injuries or illnesses with workers compensation insurance.

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FAQs About Inland Marine Insurance

What is inland marine insurance?

It’s coverage that protects business property while it’s in transit or temporarily stored off-site.

Do I need inland marine insurance?

If your business involves transporting or storing goods, inland marine insurance is important for protecting your assets.

What types of items are covered?

It covers machinery, tools, inventory, electronics, and other property being moved or stored off-site.

How is it different from regular property insurance?

Regular property insurance only covers property at a fixed location, while inland marine covers property in transit or at temporary locations.

Can inland marine insurance be customized for my business?

Yes, it can be tailored to meet your business’s specific needs.

What's the benefit of inland marine insurance?

It protects valuable assets from risks during transportation or temporary storage.

Can I add it to my business insurance policy?

Yes, inland marine insurance can often be added as an additional rider to your business insurance policy.

Does it cover natural disasters?

Some policies may cover natural disasters like floods or fires. Check with your insurer for specific details.

What happens if I don't have it?

With inland marine insurance, your business could avoid financial loss if valuable property is damaged or stolen during transport.

How much does it cost?

The cost depends on factors like the value of the insured property and the level of coverage you need.

Why Choose Risk Specialty Group for Inland Marine Insurance?

At Risk Specialty Group, we’re more than just an insurance agency – we’re your partner in safeguarding your business assets that are in transit or off-site. Here’s why businesses trust us for their Inland Marine Insurance:

Industry Expertise

We understand the unique risks businesses face when transporting goods or storing equipment off-site, and we provide coverage that fits your needs.

Tailored Coverage

Our Inland Marine Insurance protects your business property, including equipment, inventory, and materials, while they’re in transit or stored away from your primary location.

Proactive Risk Management

We help identify and mitigate risks related to the transportation and storage of goods, ensuring your assets are covered wherever they go.

Comprehensive Protection

Our policies cover a wide range of risks, including theft, damage, and loss during transit or while your property is off-site.

Trusted Partnerships

We work with top-rated carriers to provide you with the best coverage options at competitive rates.

Ongoing Support

Our team offers continuous support and regular policy reviews to ensure your coverage evolves with your business needs.

At Risk Specialty Group, we’re your trusted partner in protecting your mobile and off-site assets. Let us help you secure your business with comprehensive Inland Marine Insurance.

What Our Clients Are Saying

Don’t just take our word for it – hear from businesses who trust Risk Specialty Group to protect their future:

     EXCELLENT  
  18 reviews

    
 
 
      Posted on Google  
   
   Bobbie Llenz 
 20 December 2023
 
 
  I cannot say enough good things about Risk Specialty Group.  Their team is professional, and they have your best interest in mind.  I highly recommend them.   Our agent is Travis Landers and his team always take care of us every step of the way through the renewal process down to a dreaded claim.  We have been in business 27 years and believe me you want these people on your side.
  
 
     Posted on Google  
   
   JMD Engineering LLC 
 27 November 2023
 
 
  Couldn't be more pleased with the level of service and competitive pricing.  I have a niche business that falls outside the norm of most. Risk Specialty Group took the time to understand my business and provide the perfect solution of coverage for me. I highly recommend them to any small business in need of coverage.
  
 
     Posted on Google  
   
   Jill Bard 
 20 November 2023
 
 
  When I started my business 4 years ago, the team at Risk Specialty Group was recommended to me by a long-time colleague to handle business and professional liability insurance.  I could not be happier!  Travis, Deanna, and the entire team are wonderful to work with.  They consistently provide excellent service and go above and beyond to make sure I have what I need, when I need it.  One example: I purchased a new vehicle for the business and was signing paperwork late on a Friday afternoon not realizing I would need auto insurance before I drove it off of the lot.  Travis and his team took my call at 5pm and made sure I had coverage so I could drive home before 6pm, on a Friday!  Just one example of their excellent service and responsiveness.
  
 
     Posted on Google  
   
   Chris Abell 
 17 November 2023
 
 
  I've been partnering with Risk Specialty Group for last few years, and they consistently deliver exceptional service. The team's responsiveness is truly commendable being both prompt and efficient.

The account managers at Risk Specialty Group are clearly experienced, making the process of navigating insurance requirements seamless. I appreciate their attention to detail and the assurance that my business is in capable hands.

I highly recommend them to any business in search of a reliable insurance partner.
  
 
     Posted on Google  
   
   Blyss 
 16 November 2023
 
 
  I would highly recommend Risk Specialty Group to anyone looking for reliable and helpful insurance professionals who go above and beyond to ensure customer satisfaction. Travis and Leah have consistently shown exceptional reliability, proving to be significant assets in navigating the complexities of insurance policies. Their unwavering commitment to providing assistance is evident in prompt and thorough responses, along with valuable feedback. Barron Engineering appreciates all of your help and support!
  
 
     Posted on Google  
   
   Nicola Hartman 
 15 November 2023
 
 
  The Risk Specialty Group was recommended to TTL by another client of theirs. We have not been disappointed! Both Travis and Candi have been wonderful to work with - the communication is exceptional and the overall switch from a different company has been seamless. I look forward to working with them for many more years to come.
  
 
     Posted on Google  
   
   Real David N 
 12 October 2021
 
 
  Risk Specialty Group has handled my micro-company's insurance for almost five years.  They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner.  Of all my service providers, they are #1 in that department.  6 stars if I could.
  
 
     Posted on Google  
   
   J Smith 
 31 January 2019
 
 
  Prompt, knowledgeable, and courteous. Enjoyed working with the Risk Specialty Group team.
  
 
     Posted on Google  
   
   Brian Richardson 
 28 January 2019
 
 
  My company, EFR Contracting LLC, uses Risk Specialty Group because of their industry expertise, professionalism, superior customer service and attention to detail. I highly recommend them.
  
 
     Posted on Google  
   
   Elizabeth Schlitzberger 
 17 January 2019
 
 
  Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Contact Us Today

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David Nelson

15:10 01 Apr 19

Risk Specialty Group has handled my micro-company's insurance for almost three years. They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner. Of all my service providers, they are #1 in that department. 6 stars if I could.

Todd McMakin

16:00 04 Dec 18

We have been using the Risk Specialty Group for our company insurance for two years and have been very happy with our rates and with the customer service that we have received. They are always quick to respond to questions and requests. Highly recommended!

Su Young

18:52 04 Dec 18

Risk Specialty's owner is great to work with, excellent knowledge of the marketplace and clients' insurance needs. The staff is thorough, experienced and friendly. Great shop to consider for your insurance needs.

Elizabeth Schlitzberger

15:23 17 Jan 19

Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Parallax Consulting Group

01:30 19 Dec 18

I am currently renewing my coverage for year (2) of my business. Everyone at RSG has been extremely helpful, while also being clear and concise with all my options and/or questions through every step of my growth, risk management and company success. I would highly advise and/or recommend RSG to anyone looking to find a firm you can count on...but most importantly, trust!