Inland Marine & Equipment Insurance in Florida for Property on the Move
Protect Property On the Move – Inland Marine
It’s not about boats—it’s about mobility.
If your business property leaves the building or lives at job sites, a standard property policy may not follow it. Inland marine covers mobile equipment, tools, and property of others in your care—whether on the truck, at a client’s site, or in temporary storage. Complete Trust Insurance helps contractors and artisans across Indian River County tailor forms and deductibles as part of a coordinated commercial insurance plan.
Contractors Equipment Coverage
From Hand Tools to Heavy Machinery.
Equipment floaters can blanket small tools and schedule big-ticket items like skid steers or lifts. Coverage typically includes theft, vandalism, and fire on or off premises. For liability arising from operations, pair with
general liability—inland marine covers your property, not injury claims.
Installation Floaters
Materials Are Covered Before They’re Installed.
If cabinets, windows, or HVAC units are damaged or stolen en route or at the site, an installation floater can respond—protecting materials you’re responsible for until the job is finished and accepted by the client. We’ll align terms with contracts and lender or GC requirements in Vero Beach and surrounding markets.
Fine Arts & Special Items
When Unique Property Needs Unique Coverage.
Inland marine can also insure fine art in transit or on display and certain high-value specialty items. For personal collections at home, consider
valuable items insurance under personal lines to complement business coverage through Complete Trust Insurance.
Who Uses Inland Marine?
More Than Contractors.
Photographers with traveling camera kits, vendors at trade shows, cleaning companies with clients’ property in their care—if it moves, we can probably insure it. We’ll map what you own, where it goes, and how to keep it protected without overpaying
Frequently Asked Questions
Inland Marine Answers for Florida Businesses.
What is inland marine—does it cover boats?
Despite the name, it’s not for boats. It covers mobile property—tools, equipment, materials, and property of others in your care.
What’s the difference between an equipment floater and an installation floater?
Equipment floaters insure your tools and machines; installation floaters cover materials you’re responsible for until installed and accepted.
Are rented or leased tools covered?
They can be—many policies include or can add coverage for rented/leased equipment. We’ll match limits to rental contracts.
Does general liability cover theft of tools?
No. GL covers injuries and third-party damage—not your property. Tool theft is an inland marine claim.
Do I have to list every single tool?
High-value items are often scheduled, while smaller tools can be covered on a blanket basis to streamline paperwork.
Can inland marine cover fine art or exhibits?
Yes. It can insure artwork in transit or on display and other specialty items that leave your premises.
Will GPS, secure storage, or marking tools lower my premium?
Carriers may credit risk-control measures. Tracking, locked storage, and inventories can improve terms and claims outcomes.