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
SOURCE · National carrier filings · BLS labor statistics · Updated 2026
02
Best carriers for inland marine / tools & equipment
NEXT Insurance
AM Best: A-
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
general-liabilitycommercial-autoinland-marineworkers-compensation
We may earn a commission when you click our affiliate links. This does not affect our editorial independence. Content is general information and not legal or insurance advice.