Inland Marine Insurance
for California Contractors

Inland Marine, tools and equipment, and contractor equipment-floater forms may cover eligible movable property at job sites, in transit, or in storage. Covered property, territories, valuation, causes of loss, exclusions, and security conditions depend on the policy and underwriting.

Hand and power tools, contractor equipment, heavy equipment, specified materials, leased or rented equipment, and other movable property may be eligible when properly scheduled or described, subject to policy terms and underwriting.

Commercial Auto physical damage generally addresses the insured vehicle, not every tool or piece of equipment carried inside it. Review the Commercial Auto and property forms together before relying on either policy for theft or damage.

Pricing depends on scheduled values, property type, age, use, territory, transit, storage, security controls, claims, valuation basis, deductibles, policy terms, and underwriting. A complete equipment schedule is required for an individualized indication.

A contractor's equipment floater is an Inland Marine form for eligible movable equipment used in contracting operations. Coverage locations, transit, temporary sites, rental exposures, valuation, and exclusions depend on the form and underwriting.