Spot for Inland Marine Insurance
We list your tools, equipment and goods on the move, get inland marine quotes through brokers and help you buy cover that follows them.
Your Spot team prepares an equipment or property inventory with descriptions and values, a description of your operations, prior losses and the limits you want to discuss, and notes what you own, rent or hold for others.
When brokers return proposals, we show which items each one schedules individually, how it handles property you rent or lend, and where it applies.
Tools, equipment and inland marine insurance
Coverage limits · Policy terms
Juniper Electrical
Spot asks how a damaged item is valued, whether replacement-cost payment depends on repair or replacement, how per-item limits relate to a single loss involving several items, and whether the deductible is a fixed amount or a percentage.
Tools, equipment and inland marine insurance
Juniper Electrical · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Your Spot team keeps the policy, reporting instructions and your records of ownership and value together, so you know where to find them when something goes missing.
SamJuniper Electrical
Let’s prepare the information for your broker and compare the terms, not just the price.
Tools, equipment and inland marine insurance policy
Coverage terms · Limits
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
An equipment floater is the inland marine form for tools and machinery that travel between your yard and the job.
Materials and equipment you’re installing at a customer’s site call for installation coverage, a different form from an equipment floater.
Trip transit and motor truck cargo are separate inland marine types, so check which one fits how your goods move.
Accounts receivable and valuable papers are inland marine types too, worth asking about if your records would be hard to replace.
What each industry usually faces, and where Spot fits in.
Sensors, robots, or test instruments leave your workshop for field trials or customer installations.
Samples and sale inventory move between a maker, warehouse, retailer, pop-up, or trade show.
Test equipment or tools move between a fixed lab, hangar, range, or customer site.
You move tools, contractor equipment, or materials between jobsites or store them away from your main premises.
Devices, components, samples, or test equipment move between suppliers, labs, warehouses, trade shows, and buyers.
Inventory, samples, tools, or display equipment travel to a warehouse, trade show, retailer, or customer.
Cameras, lighting, computers, or rented gear travel between a studio, set, and client site.
Aircraft, payloads, batteries, or ground stations travel to customer missions or test sites.
You move sponsor compounds, samples, or test equipment between your lab, a partner, and a study site.
You move solar equipment, components, tools, or test gear from a workshop or supplier to an installation site.
Your team carries prototypes, tools, or test equipment to pilots, customer sites, or trade shows.
Ingredients or finished goods travel between a supplier, co-packer, cold store, distributor, and customer.
Get quotes from 20+ inland marine insurance providers with Spot.
Send the details to your Spot team and ask whether it has to be scheduled individually before it goes out to a job.
Check the policy’s territorial limits against where the equipment will be stored, used and transported.
Policies can restrict coverage for property rented or lent to someone else. Ask how yours treats it before the equipment leaves your yard.
Goods in transit may call for trip transit or motor truck cargo coverage. Ask which one fits, and don’t assume the carrier’s insurance protects your goods.
Update the inventory so per-item limits and the valuation basis match what the equipment is worth today.
Also known as contractor’s equipment insurance, equipment floater insurance, installation floater insurance, tools and equipment insurance and tool insurance.
Get quotes from 20+ inland marine insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
