---
title: "Inland Marine Insurance"
description: "Buy inland marine with Spot: your equipment inventory prepared, proposals compared on scheduling, valuation and territory, and policy documents kept together."
canonical: "https://spot.insure/insurance/inland-marine"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/inland-marine)

## Agent Guide

**What this page is:** Buy inland marine with Spot: your equipment inventory prepared, proposals compared on scheduling, valuation and territory, and policy documents kept together.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Spot for Inland Marine Insurance

Get quotes from inland marine insurance providers with Spot.

We list your tools, equipment and goods on the move, get inland marine quotes through brokers and help you buy cover that follows them.

- Owned, rented and client equipment sorted against the schedule
- Valuation, per-item limits and deductibles compared across proposals
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?coverage=inland-marine). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch.

## How Spot helps

1. **List your equipment and what it’s worth.** 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.
2. **See which items each quote lists.** When brokers return proposals, we show which items each one schedules individually, how it handles property you rent or lend, and where it applies.
3. **Check how a damaged item is valued.** 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.
4. **Keep your records ready for a claim.** 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.

## Who we help

- **Contractors moving equipment between jobsites.** An equipment floater is the inland marine form for tools and machinery that travel between your yard and the job.
- **Installers.** Materials and equipment you’re installing at a customer’s site call for installation coverage, a different form from an equipment floater.
- **Businesses shipping goods.** Trip transit and motor truck cargo are separate inland marine types, so check which one fits how your goods move.
- **Offices protecting records and receivables.** Accounts receivable and valuable papers are inland marine types too, worth asking about if your records would be hard to replace.

## When to get this coverage

- **You bought new equipment.** Send the details to your Spot team and ask whether it has to be scheduled individually before it goes out to a job.
- **You’ve won a job in another state.** Check the policy’s territorial limits against where the equipment will be stored, used and transported.
- **You rent out or lend equipment.** Policies can restrict coverage for property rented or lent to someone else. Ask how yours treats it before the equipment leaves your yard.
- **You’re shipping goods.** 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.
- **Your equipment values have changed.** Update the inventory so per-item limits and the valuation basis match what the equipment is worth today.

## Common questions

Also known as contractor’s equipment insurance, equipment floater insurance, installation floater insurance, tools and equipment insurance and tool insurance.

### Our broker already handles our contractor policies. Can they place inland marine too?

Usually. Your Spot team adds the contractor’s equipment schedule to the work your broker already does, and Spot takes no commissions on premiums. You can also move the floater to a different broker.

### What does inland marine cover?

If your business moves equipment between sites or ships goods, it can cover those specialized property exposures. It’s a family of forms, such as equipment floaters, installation coverage and trip transit, and a single policy won’t necessarily include every type.

### Does it cover mechanical breakdown?

Not necessarily. Wording can limit mechanical breakdown, wear and tear, unexplained disappearance and loss of use. Equipment breakdown is a separate coverage.

### How is it different from commercial property?

Your property policy may include some off-site terms, but tools on jobsites and goods in transit are where inland marine comes in. Spot compares the two, along with cargo and equipment breakdown, so you can see where each applies.

### What do I need for an inland marine quote?

An inventory with descriptions and values, a description of your operations, prior losses and the limits you want. Mark anything you rent, borrow or hold for others.

## More

- [Business Insurance by Coverage](https://spot.insure/insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/inland-marine.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)