Contractor tool floater
Blanket coverage for miscellaneous hand tools, drills, saws, and compressors stolen from locked trucks or jobboxes.
Mobile property protection
Inland marine insurance to protect tools and equipment wherever work takes you.
Insure contractor tools, generators, heavy machinery, diagnostic instruments, and materials in transit across Georgia and Pennsylvania beyond the fixed walls of your shop or office.
Quick insurance start
Why is inland marine (tools & equipment) on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
The 100-foot property limit
Why standard commercial property policies stop at your door.
Commercial property policies only cover business equipment within 100 feet of your listed building. The moment your tools, generators, or machines leave your driveway, you need an inland marine floater.
Key coverage solutions
Structured around the realities of your situation.
Scheduled equipment
Dedicated agreed-value coverage for high-ticket assets: excavators, skid steers, scissor lifts, and trailers.
Rented & leased equipment
Protection satisfies rental yard contracts when renting heavy machinery for specific job milestones.
Installation floater
Insures expensive materials (HVAC units, custom glass, switchgear) from the warehouse, through transit, until final installation.
Quote underwriting details
What we need to build your independent comparison.
- Unscheduled vs scheduled itemsItems under $2,500 can be blanketed; higher-value machines require serial numbers and valuations.
- Jobsite & vehicle securityLocked truck caps, steel jobsite storage boxes, and GPS asset tracking for heavy machines.
- Territory & transit radiusGeographic scope of operations across Georgia, Pennsylvania, and adjoining trade regions.
Related discovery
Independent market access
We compare available markets for coverage, price, and fit.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed carrier does not constitute a guarantee of coverage or rate.
Frequently asked questions
Common questions about inland marine (tools & equipment).
Does commercial auto insurance cover tools inside my truck?
No. Commercial auto policies cover the truck itself, not the business property inside. An inland marine tool floater is required to protect the tools.
What happens if equipment is stolen from a jobsite overnight?
If locked in a secure vehicle, trailer, or jobbox, covered losses are reimbursed up to the scheduled or blanket limit subject to the deductible.
Can I add borrowed or rented equipment?
Yes. Most contractor inland marine forms include sublimits for short-term rented or borrowed equipment.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.