Seguro Marino Interior

Despite the name, it usually has nothing to do with water. It is property coverage for things that move or are held away from your fixed location: equipment, goods in transit, and property in your care. It fills the gap a standard property policy leaves once property leaves your premises.

Commonly contractors equipment and tools, property in transit, installation work before it is accepted, customers' property in your care, and specialized movable items like cameras or fine art. The exact form is tailored to what you move and where.

Contractors, installers, jewelers, medical and photography businesses, and anyone who transports goods or holds customers' property. If valuable property regularly leaves your building or belongs to someone else while in your hands, this coverage usually applies.

It is a common inland marine form covering the tools, machinery, and mobile equipment a contractor uses on job sites and in transit. A general property policy typically does not follow equipment off premises, which is the gap this closes. Owned, rented, and leased equipment can be scheduled or blanketed.

Commercial property covers buildings and contents at a fixed insured location. Inland marine covers property that moves, is in transit, or is held off site. The two are complementary: property insures what stays put, inland marine insures what travels.

Cost reflects the value and type of property, how far and often it moves, your security and storage, and your loss history. Scheduling high-value items and choosing between blanket and scheduled limits both affect the premium. We quote it against your actual equipment and operations.

Your building and permanently installed property belong on a commercial property policy.

Autos and trucks themselves are covered by commercial auto, not inland marine.

Gradual deterioration and maintenance issues are not covered causes of loss.

Injury to workers falls under workers compensation, not equipment coverage.