Does Inland Marine Cover Flood?
Flood coverage for equipment depends on the inland-marine form’s flood definition, exclusions, deductible, and sublimit.
A general description of the coverage line does not confirm that your equipment floater covers a particular water event.
Ask about surface water, storm surge, rain, and waterborne loss separately. Check flood limits, deductibles, territory, and restrictions for equipment left at a jobsite; get the applicable endorsement or exclusion in writing.
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.