Does Inland Marine Cover Flood?

The California Department of Insurance lists flood among perils that may be included in standard inland-marine coverage. That guide is general, not a promise about a particular equipment floater. The example AAIS contractors’ equipment wording uses its own “Perils Covered” and “Perils Excluded” provisions, which must be read together for the event and property involved.

Ask whether surface water, rising water, storm surge, rain entering through an opening, and waterborne loss are treated differently. Check any flood sublimit, deductible, territory, and property-in-the-open restriction, plus whether equipment is covered while at a flood-exposed jobsite. Get the exact endorsement or exclusion that applies rather than relying on an oral shorthand such as “all risk.”