Does Inland Marine Cover Property in Transit?

The California Department of Insurance describes inland marine as specialized property insurance primarily involving property in transport and lists motor truck cargo and trip transit as separate options. An equipment floater may also cover scheduled equipment while moving, but its territory and transit conditions still apply. “Inland marine” is not itself proof that every shipment is insured.

Check whether the insured is the property owner, seller, buyer, or carrier; when coverage starts and ends; and whether loading, unloading, temporary storage, subcontractors, and international legs are included. Compare per-shipment and accumulation limits with the largest load you expect. For a particular shipment, review the sales contract and carrier agreement along with the policy.