Commercial Insurance
Inland Marine Insurance in California
Your tools, equipment, and materials do not stay in one place. Inland marine insurance from WeInsureCali protects your business assets wherever they go, from the job site to the road to the client's location. If your business moves, your coverage should move with it.
What Is Covered
Coverage at a Glance
Contractors Equipment
Covers tools, machinery, and equipment owned by your business while at job sites, in transit, or in temporary storage. Protects against theft, vandalism, and accidental damage.
Builders Risk
Covers buildings and structures under construction, including materials and supplies on site. Protects the project from foundation to completion.
Installation Floater
Covers materials and equipment from the time you receive them until they are installed and the job is complete. Essential for HVAC, electrical, and plumbing contractors.
Tools and Equipment
Covers hand tools, power tools, and small equipment that your employees transport between job sites. Theft from work trucks is a major concern for contractors.
Transit Coverage
Covers your goods, materials, and equipment while being transported by your vehicles, common carriers, or third party logistics providers.
Electronic Data Processing
Covers computers, servers, and electronic equipment that may be moved between locations, including laptops, tablets, and mobile point of sale systems.
California Context
Why This Matters in California
Standard commercial property insurance only covers items at your listed business location. If your equipment moves between job sites, is stored at client locations, or travels with your employees, you need inland marine coverage.
Tool and equipment theft from job sites and work trucks is a persistent problem in California's Central Valley. A single theft can cost thousands in replacement equipment and project delays.
Contractors, landscapers, HVAC technicians, and other mobile service providers have most of their valuable equipment outside their office or shop. Without inland marine, those tools and machines are uninsured.
California's active construction industry means materials and equipment are constantly in transit. Inland marine coverage fills the gap between your property policy and your auto policy for items on the move.
If you rent or lease expensive equipment, the rental company's damage waiver does not always provide adequate protection. Inland marine can cover rented and leased equipment at a fraction of the waiver cost.
Pro Tip
Keep an updated inventory of all your tools and equipment, including photos, serial numbers, and purchase receipts. This documentation makes claims faster and ensures you get the full value of stolen or damaged items.
Common Questions
Frequently Asked Questions
Related Coverage Options
Protect Your Tools and Equipment
Get a personalized quote in minutes. Our team is standing by to find you the best coverage at the best rate.