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Inland Marine Insurance

What is Inland Marine Insurance?

Inland Marine Insurance protects your business property while it’s in transit or stored off-site. This coverage is essential for businesses that move goods, tools, or equipment between locations or use property in shipping, construction, or logistics. It ensures your valuable assets are protected wherever your work takes you.

What Does Inland Marine Insurance Cover?

A typical Texas inland marine policy includes:

  • Goods in Transit – Protects products and materials during transport.
  • Tools & Equipment – Covers job site tools and specialized machinery.
  • Materials Stored Off-Site – Safeguards property in temporary storage.
  • Logistics & Shipping Property – Covers items essential to operations.

Optional add-ons may include coverage for rented equipment, installation floater policies, and contractor’s equipment.

Why Inland Marine Insurance Matters in Texas

Texas businesses often operate across large distances and face risks like theft, accidents, and weather damage during transit. Whether you’re a contractor moving tools to a job site or a supplier shipping goods statewide, inland marine insurance ensures your property stays protected beyond the limits of standard commercial property policies.

Local Expertise You Can Trust

At MCN Multiservices, we help Texas businesses secure inland marine coverage tailored to their industry. From construction companies to logistics providers, we understand the unique risks your business faces and offer policies that keep your operations moving without worry.

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What Makes Our Inland Marine Insurance Different?

Texas-Specific Expertise

We know the transportation and construction risks unique to Texas.

Flexible Coverage Options

Customize protection for tools, equipment, and goods in transit.

Affordable Premiums

Competitive rates for small businesses and large operations.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Inland Marine Insurance Tips for Texas Businesses

  • Inventory Your Assets – Know what needs coverage before choosing a policy.
  • Bundle Policies – Combine inland marine with general liability or property insurance for discounts.
  • Review Contracts – Ensure your coverage meets project or client requirements.
  • Update Coverage Annually – Adjust policies as your equipment or operations expand.

Ready to Protect Your Business Assets?

Contact MCN Multiservices today for a free inland marine insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and secure protection fast—so you can focus on growing your business with confidence.

Frequently Asked Questions

Who needs inland marine insurance?

Businesses that frequently move or store property off-site need inland marine insurance for contractors, business equipment insurance, or coverage for mobile property. This includes contractors, builders, transport and logistics companies, retailers, wholesalers, event planners, and repair technicians, basically, anyone whose tools or assets don’t stay in one place.

Inland marine insurance offers protection for contractor equipment insurance, installation floater, and mobile asset protection. It typically covers tools and equipment in transit, contractor’s machinery, fine arts, valuable items, and property at exhibitions or trade shows, keeping your business assets safe wherever they go.

While inland marine insurance provides broad protection, it excludes stationary property (covered by commercial property insurance), vehicles (covered by auto insurance), and employee injuries (covered by workers’ comp). Normal wear, tear, and mechanical issues also aren’t covered under inland marine insurance exclusions or mobile property insurance limits.

Commercial property insurance protects assets that stay put. Inland marine insurance, on the other hand, protects what moves making it essential for mobile vs. fixed asset coverage. It’s the go-to policy for businesses constantly on the move.

The cost of inland marine insurance in Texas depends on the type, value, and travel frequency of your property. On average, businesses pay between $250 and $1,500 annually for affordable equipment insurance or business property in transit rates, based on coverage limits and industry risks.

Yes! You can bundle inland marine insurance with general liability, commercial property, or contractor’s package policies. A contractor insurance package or inland marine insurance bundle often reduces costs and keeps your coverage simple and efficient.

An installation floater insurance policy covers materials, supplies, and equipment during transport and setup at a job site. Perfect for contractors, electricians, and HVAC pros, it ensures contractor installation coverage and job site equipment insurance until the work is done.

To start your inland marine insurance claim process, notify your insurer immediately, gather photos and receipts, submit the claim form, and cooperate with the adjuster. This smooth process ensures your equipment damage claim or property in transit insurance claim gets resolved fast.

Yes, inland marine insurance covers theft, vandalism, and accidental damage while your property is in transit or stored off-site. With theft coverage inland marine, vandalism insurance for tools, and mobile property protection, your assets stay covered even on the move.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.