NeedBizInsurance
Coverage Guide · United States · 2026

Inland Marine / Tools & Equipment Insurance for small business

Inland marine insurance covers tools, equipment, and goods while in transit or off-site at a job location — essential for contractors and mobile businesses.

Typical cost · $250.00–$1000.00 per year

01

Who needs this coverage

ProfessionCategoryRecommended level
PhotographerFull guidefreelanceRequired
Appliance Repair TechnicianFull guidetradesRecommended
Baker (Home-Based)Full guidefood-serviceRecommended
Bartender (Mobile)Full guidefood-serviceRecommended
CarpenterFull guidetradesRecommended
Carpet CleanerFull guidecleaningRecommended
Carpet InstallerFull guidetradesRecommended
CatererFull guidefood-serviceRecommended
Cleaning ServiceFull guidecleaningRecommended
Coffee CartFull guidefood-serviceRecommended
Concrete ContractorFull guidetradesRecommended
Construction LaborerFull guidetradesRecommended
CourierFull guidetransportationRecommended
Delivery DriverFull guidetransportationRecommended
Demolition ContractorFull guidetradesRecommended
ElectricianFull guidetradesRecommended
Electronics Repair TechnicianFull guidetradesRecommended
Excavation ContractorFull guidetradesRecommended
Fencing ContractorFull guidetradesRecommended
Flooring InstallerFull guidetradesRecommended
General ContractorFull guidetradesRecommended
HVAC TechnicianFull guidetradesRecommended
HandymanFull guidetradesRecommended
Hot Shot TruckingFull guidetransportationRecommended
Janitorial ServiceFull guidecleaningRecommended
Junk RemovalFull guidecleaningRecommended
LandscaperFull guidetradesRecommended
Mason / BricklayerFull guidetradesRecommended
Medical TransportFull guidetransportationRecommended
Mobile BartenderFull guidefood-serviceRecommended
Mobile Dog GroomerFull guidepet-servicesRecommended
Moving CompanyFull guidetransportationRecommended
PainterFull guidetradesRecommended
Personal ChefFull guidefood-serviceRecommended
Personal TrainerFull guidehealthRecommended
Pest ControlFull guidecleaningRecommended
PlumberFull guidetradesRecommended
Pool CleanerFull guidecleaningRecommended
Pool ServiceFull guidecleaningRecommended
Pressure WashingFull guidetradesRecommended
RooferFull guidetradesRecommended
Tow Truck OperatorFull guidetransportationRecommended
Tree ServiceFull guidetradesRecommended
WelderFull guidetradesRecommended
Window CleanerFull guidecleaningRecommended
AcupuncturistFull guidehealthOptional
Amazon FBA SellerFull guideretailOptional
AnimatorFull guidefreelanceOptional
Auto DetailerFull guideotherOptional
ChiropractorFull guidehealthOptional
CopywriterFull guidefreelanceOptional
DJFull guidefreelanceOptional
Daycare ProviderFull guideotherOptional
Dog BreederFull guidepet-servicesOptional
Dog TrainerFull guidepet-servicesOptional
DoulaFull guidehealthOptional
Driving InstructorFull guideotherOptional
EstheticianFull guidehealthOptional
Etsy SellerFull guideretailOptional
Event PlannerFull guidefreelanceOptional
Fitness InstructorFull guidehealthOptional
Flea Market VendorFull guideretailOptional
Food TruckFull guidefood-serviceOptional
Graphic DesignerFull guidefreelanceOptional
Home Health AideFull guidehealthOptional
IllustratorFull guidefreelanceOptional
Interior DesignerFull guidefreelanceOptional
LocksmithFull guideotherOptional
Massage TherapistFull guidehealthOptional
Mental Health CounselorFull guidehealthOptional
Mobile Vet TechFull guidepet-servicesOptional
MusicianFull guidefreelanceOptional
Nail TechnicianFull guidehealthOptional
NutritionistFull guidehealthOptional
Occupational Therapist (Freelance)Full guidehealthOptional
Pet SitterFull guidepet-servicesOptional
PublicistFull guidefreelanceOptional
Security GuardFull guideotherOptional
Social Media ManagerFull guidefreelanceOptional
Speech Therapist (Freelance)Full guidehealthOptional
Tattoo ArtistFull guideotherOptional
Vending Machine OperatorFull guideretailOptional
VideographerFull guidefreelanceOptional
Wellness CoachFull guidehealthOptional
Yoga InstructorFull guidehealthOptional
SOURCE · National carrier filings · BLS labor statistics · Updated 2026
02

Best carriers for inland marine / tools & equipment

NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation

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