Inland Marine Insurance in Orange County, CA

Inland marine insurance fills in the gaps of your commercial insurance. It used to be for shipping companies that lost cargo during transportation over the ocean. However it now is used to cover so much more.

Examples of Inland Marine Coverage

  • A neon sign that is not attached to the building that the business is in

  • A contractor's equipment that leaves the company property

  • Paintings and fine art

  • Expensive camera equipment or musical instruments

  • Items that are moved from location to location

  • Goods that are shipped or delivered

 

Industry-Specific Coverages

Construction

  • Builder’s Risk:

    Protection for damage to buildings or structures under construction, renovation or repair.

  • Contractor’s Equipment:

    Protects equipment and tools that are normally excluded under typical Builder’s Risk Insurance.

  • Installation:

    Covers machinery and equipment during transit, installation and/or testing at project sites.

  • Rigger’s Liability:

    Protection when acting as a rigger for the property of others in their care, control and custody.

Technology and Communication

  • Cable Television:

    Protection for property that is essential to cable television systems.

  • Electronic Equipment:

    Insures equipment that uses microprocessors and semiconductors.

  • Medical Imaging Equipment:

    Protects mobile medical equipment housed at hospitals, clinics and other similar premises.

  • Physicians and Surgeons:

    Covers medical, surgical and dental equipment, supplies and instruments used in the medical and dental fields.

  • Radio and Television Towers
  • Scientific Instruments
  • Telecommunication Equipment:

    Protects telephones, computers, fax machines, video conferencing audio and visual equipment and teleconferencing equipment.

Transportation

  • Commercial Transport:

    Coverage for goods and merchandise in transit for truckers, warehouses, shippers and logistics operators.

  • Legal Liability:

    Coverage for sums the policyholder is obligated to cover as a result of damage from a covered loss to property of others.

  • Motor Truck Cargo:

    Protects owners and operators of trucks against losses to owned property or property of others while in transport.

  • Railroad Rolling Stock:

    Protects rolling stock owned or leased by railroad companies or other businesses.

  • Tank Storage:

    Protects tanks, pipelines and appurtenances and their contents while in the insured’s care, custody and control.

Miscellaneous Floaters

  • Armored Cars:

    Protects against losses attributed to armored cars.

  • Fine Arts
  • Furriers Block:

    Covers furs, fur garments or garments trimmed with fur while in the care of furriers, fur storage companies, department stores and other retailers.

  • Installation Sales:

    Covers retail and wholesale merchants, manufacturers, banks and financial companies who sell and use personal property as collateral for loans, conditions of sales contracts, as part of a deferred payment plan or as an installment payment plan.

  • Jewelers Block:

    Provides protection for jewelry, semi-precious stones, precious metals, alloys and other goods used in the insured’s business.

  • Miscellaneous Floaters:

    Serves as “catch-all” coverage for property that is movable.

  • Related Property:

    Protection for buildings, business property, income and extra expenses when writing another marine coverage.

Consult ISU-ERM Insurance Brokers today to learn more about Inland Marine Insurance to protect items that seem to fall between the lines of your current coverage. We have the expertise to help you to mitigate your risks and protect your bottom line.

ERM Insurance Brokers is here to help. Contact us today at 949-222-0444 to learn more about our insurance and loss control solutions.