Inland Marine Insurance

Inland Marine Insurance for California Businesses with Property on the Move

If your business relies on tools, gear, or inventory that travels—or lives off-site—you likely need inland marine insurance. Despite the name, this coverage has nothing to do with water. It’s designed to protect mobile property: from contractor equipment in the back of a van to expensive electronics transported to client sites.



At Derian Insurance, we help businesses across California get equipment insurance that fills the coverage gaps left by standard commercial property policies. Whether you’re a contractor in Van Nuys, an installer in Pasadena, or an events vendor covering the Westside, we’ll find a policy that fits how—and where—you work.

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What Inland Marine Insurance Covers

Inland marine insurance protects business-owned property that’s frequently moved, installed at a jobsite, or stored somewhere other than your main location. Common examples include:

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Contractor tools & mobile equipment

(power tools, ladders, compressors, etc.)

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Installation floaters

(materials staged for a project but not yet installed)

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Electronics & audiovisual gear

for tech consultants or event vendors

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Artwork or collectibles

during transit or display

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Cameras, drones, or specialty gear

used on location

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Property in a service vehicle

(often not covered under auto or property insurance)

If your tools are stolen out of your work truck or a piece of jobsite equipment is damaged while in transit, inland marine can step in where other policies can’t.

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Who Needs Inland Marine Coverage in Los Angeles?

If your business owns gear that moves—across job sites, cities, or even counties—it’s likely at risk. Standard commercial property insurance typically excludes coverage once items leave your business premises.



We often recommend inland marine insurance in California to:

  • Interior designers & art dealers
  • Vendors at trade shows or pop-ups
  • Home services businesses with mobile tools

Whether your work takes you across Echo Park or out to Orange County, we’ll help keep your property protected on the road.

Why Derian Insurance?

Inland marine insurance is one of the most misunderstood coverages in the commercial market. Our team takes the time to understand what you own, where it goes, and how you use it—then builds a policy that fits.

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Custom coverage for unique equipment or hard-to-value tools

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Flexible policy structures for installation floaters or scheduled items

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Local knowledge of theft risk and jobsite hazards in Greater Los Angeles

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Options to bundle with property or contractors insurance

We’ve been serving California businesses for over 55 years—so we know what it takes to cover your equipment without gaps or surprises.

Inland Marine FAQs

  • What is inland marine insurance?

    It’s a type of property coverage for business items that are mobile or stored off-site—like tools in your truck, gear at a job site, or materials staged for a project.

  • Why isn’t this covered by my commercial property policy?

    Most commercial property insurance only protects items kept at your insured location. Once gear is in transit or moved to a jobsite, coverage often ends.

  • Does inland marine cover tools stolen from a vehicle?

    Yes—if properly endorsed. Inland marine can cover items stolen from your work truck, unlike auto policies that generally exclude personal property.

  • What’s an installation floater?

    It’s a type of inland marine coverage that protects materials and equipment from the time they’re delivered to a jobsite until installed.

  • How much does inland marine insurance cost?

    Premiums depend on the value of your equipment, how often it’s moved, and where it’s used. We’ll shop competitive options to match your budget.

Request a Quote for Inland Marine Insurance in California

If your gear is constantly on the move, make sure it’s protected. Whether you're replacing a stolen compressor or covering a $10,000 camera rig, we’ll help you get the coverage you need.