Does Inland Marine Cover Customer Property?
An inland-marine floater may cover customer property in your care when the policy schedule and limits include it.
A contractors’ equipment form, for example, may require a specific schedule option.
Tell the insurer who owns the property and whether you store, repair, install, or transport it. Check the customer-property limit and whether you also need liability coverage for your contractual responsibility.
Coverage Guides Related to Inland Marine Insurance
Sources for This Answer
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-25.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-25.