Tools & equipment
Inland marine / contractor's equipment floater
Covers your own gear — stolen from the van, dropped off a ladder, fried on site. General liability never pays for your own stuff; this does.
Who needs it
Anyone whose livelihood fits in a van. If losing your kit tomorrow would stop the business, price this in.
Covered vs. not covered
Tools & equipmentExclusions up front
Covered
- Theft from vehicle or job site
- Accidental damage and drops
- Gear anywhere it travels — not just at your shop
Not covered — read this first
- Wear and tear
- Mysterious disappearance with no police report
- Employee dishonesty (separate coverage)
Trades that carry it
See what the full stack looks like for your trade:
Handyman Pressure washing Window cleaning Electrician Plumbing HVACFrequently asked questions
Why is it called inland marine?
Historical quirk: it grew out of ocean cargo insurance, extended to goods moving over land. Insurance never renames anything.
Is my trailer covered?
Usually schedulable on the same floater; the truck itself needs commercial auto.
Coverage without the decoder ring →
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