Does Inland Marine Cover Property Off Site?

A floater can address property used at changing worksites, which differs from commercial property written around described premises. The California Department of Insurance lists equipment floaters as an inland-marine form. In the illustrative equipment policy, coverage attaches to property matching the chosen schedule option and remains subject to the form’s territorial limits and exclusions.

Do not assume “off site” means any place or country. Check jobsite, temporary-storage, theft-from-vehicle, and unattended-property terms, along with territorial boundaries and reporting requirements for new locations. If customer property is on the premises or in your custody, confirm whether the form covers property of others and whether that coverage is scheduled separately.