Does Inland Marine Cover Installation?

The California Department of Insurance lists installation floaters separately from contractors’ equipment, cargo, and trip transit. An installation policy may address property moving to a project and materials or equipment during installation, while a builders-risk policy may insure a construction project. The exact overlap and handoff depend on the forms and contracts involved.

Ask when the installation coverage attaches and ends, whether transit and temporary storage are included, and how the policy treats testing, commissioning, delay, and already completed work. Confirm whose property is insured and whether the project owner or general contractor must be named. Compare the installation form with any builders-risk certificate and contract requirement so there is no unprotected gap at completion.