What Does Inland Marine Insurance from HUB International Cover?

HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. ¹Company-reportedMarine product page; neither reviewed page names a specific issuing insurer for inland marine.

HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. ²Company-reportedGlossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim.

HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. ²Company-reportedGlossary page property examples; a specific policy's covered-property list is set on the quote and declarations.

HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. ²Company-reportedGlossary page peril list; coverage for a specific peril depends on the policy form and endorsements.

HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. ¹Company-reportedMarine product page tailored-solutions list; not every listed coverage applies to a given inland marine client.

HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. ²Company-reportedGlossary page policy-structure description; actual deductibles and limits are set on the quote and declarations.

HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. ¹Company-reportedMarine product page call-to-action text.