Inland Marine Insurance in Texas

Protection that goes where your equipment goes.

Mobile Coverage for the Tools of Your Trade

Your business doesn’t always stay in one place—and neither does your equipment. From tools in transit to valuable materials at a job site, inland marine insurance protects your property wherever the work takes you. At Stieber Insurance Group, we make inland marine coverage simple, flexible, and tailored to the way your business moves.



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What Does Inland Marine Insurance Cover?


Despite the name, this policy has nothing to do with water—it’s designed to protect high-value items that travel or are stored off-site.

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Tools and Equipment in Transit

Covers damage or theft of tools, machinery, and materials while being transported between locations or jobs.

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Installation Floater

Protects building materials (like HVAC units, flooring, or windows) before they’re permanently installed—ideal for contractors and remodelers.

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Contractor’s Equipment

Covers large or specialized equipment like skid steers, forklifts, compressors, and generators, whether on-site or in storage.

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Fine Art and Valuable Items

Provides protection for artwork, collectibles, or exhibition pieces during transport or display.

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Electronics and Data Equipment

Covers laptops, tablets, and technical equipment used away from your business premises.

Inland Marine Insurance FAQs

  • Q1: What exactly is “inland marine” insurance?

    It’s a policy that protects mobile property and equipment that doesn’t stay in one fixed location—especially items in transit or stored off-site.

  • Q2: Do I need this if I already have commercial property insurance?

    Commercial property policies only cover items at your primary location. Inland marine fills the gap when your equipment is on the move.

  • Q3: Who needs inland marine insurance?

    Contractors, builders, repair services, landscapers, photographers, mobile service providers, and more. If your tools travel, you probably need it.

  • Q4: Is theft covered under inland marine?

    Yes—most inland marine policies include theft, even from job sites, vehicles, or temporary storage.

  • Q5: What’s the difference between a floater and a standard policy?

    A “floater” policy follows the item wherever it goes, unlike location-based property coverage. It’s ideal for items that move frequently.

  • Q6: Can this be bundled with my general liability or commercial property policy?

    Yes—we’ll help you integrate inland marine coverage into your overall business insurance plan.

Don’t Leave Your Gear Uncovered

If your tools and materials are part of your business, they deserve reliable protection—wherever the job takes them. Let’s build a policy that moves with you.


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