Inland Marine, for property that moves.

Frequently Asked Questions

• What types of property does inland marine insurance cover?
  Inland marine covers movable property such as contractor tools, equipment, goods in transit, installation materials, and property stored off-premises. It protects property that's not fixed to a permanent business location.
• How is inland marine insurance different from commercial property insurance?
  Commercial property covers buildings and contents at a fixed location. Inland marine covers property that moves or is temporarily stored away from the main premises, filling gaps commercial property policies exclude.
• Can inland marine insurance cover leased or rented equipment?
  Yes. Inland marine policies can cover owned, leased, rented, or borrowed equipment. Coverage terms and limits vary, and rental reimbursement options may also be available.
• Does inland marine insurance cover theft?
  Most policies cover theft, but exclusions and limitations apply — especially for property left unattended in vehicles or unsecured job sites. Florida policies reflect these considerations under state law.
• Is inland marine insurance required by law in Florida?
  Florida law defines inland marine insurance (§ 624.607) but does not mandate it universally. Businesses with mobile property, contractors, and transporters typically need it to meet contractual or lender requirements and to protect assets effectively.
• How do inland marine insurance premiums get calculated?
  Premiums depend on property type and value, coverage limits, geographic location, security measures, claims history, and whether coverage is scheduled or blanket.
• What is an installation floater?
  An installation floater covers materials and equipment while being installed at a job site, protecting against loss or damage during the installation phase before the property becomes part of the completed structure. Important for HVAC, signage, and large-equipment trades.
• How does inland marine insurance relate to commercial auto insurance?
  Inland marine covers the property or cargo being transported. Commercial auto covers the vehicle and liability arising from its use. Both are often needed for businesses transporting goods.
• Can inland marine insurance cover property in multiple states?
  Yes. Inland marine is designed to cover property in transit or storage across multiple locations, including multi-state operations served by Ellie Insurance Group's nationwide carrier network.
• How do I get inland marine insurance coverage?
  Send us a property schedule and storage practices, and an Ellie Insurance Group agent will return an Instant Quote tailored to your exposures.