As a small business owner, you've worked hard to build your company, invest in equipment, and deliver quality products or services to your customers. But what happens if your valuable tools, inventory, or equipment are damaged or stolen while in transit?

Unfortunately, standard Commercial Property Insurance policies don't typically cover items once they leave your premises. Learn how an Inland Marine Insurance policy can help protect your business property from these types of losses, and how Aegis Insurance & Financial Services can help you secure this type of essential coverage.

What Is Inland Marine Insurance?

Inland Marine Insurance is a specialized type of Business Insurance designed to protect goods, equipment, and tools while they're being transported or stored off-site. Originally created to cover business goods transported over inland waterways, the policy has evolved to protect a wide range of movable business property.

Whether you're shipping products to customers, transporting tools for on-site work, or moving valuable inventory between locations, Inland Marine Insurance ensures that your assets are covered against loss, theft, or damage.

Who Needs Inland Marine Insurance?

Many small businesses across different industries can benefit from Inland Marine Insurance, including:

• Construction & Contractors – General contractors, electricians, plumbers, and HVAC specialists rely on expensive tools and equipment that frequently move between job sites. Inland Marine Insurance protects these valuable assets from theft, loss, or damage while in transit or at storage facilities.
• Retailers & Wholesalers – If your retail or wholesale business transports inventory between warehouses, storefronts, or customer locations, you'll need coverage against transit-related losses.
• Auto Repair Shops & Mobile Mechanics – Technicians who work off-site or transport tools and diagnostic equipment to different locations need protection for their mobile assets.
• Bakers & Florists – Since these businesses deliver perishable goods and supplies, Inland Marine coverage can protect against losses from accidents, theft, or spoilage in transit.

How Can Inland Marine Insurance Protect Your Business?

If your business relies on transporting goods, equipment, or tools, Inland Marine Insurance provides essential protection that standard commercial property policies don't cover. Here's how it can safeguard your business:

• Covers Equipment in Transit – If your tools, inventory, or materials are damaged in an accident while being transported, Inland Marine Insurance helps cover the cost of repairs or replacement.
• Protection for Off-Site Storage – Whether your business temporarily stores equipment at a job site or utilizes a storage facility, this insurance ensures your assets are protected.
• Safeguards Against Theft – If valuable inventory or equipment is stolen while in transit or at a temporary location, you won't have to bear the full financial burden of replacing it.
• Covers Accidental Damage – Dropping a piece of expensive equipment, having tradeshow equipment damaged during shipping, or ruined inventory may all be covered under Inland Marine Insurance.

Protect Your Business with Aegis Insurance & Financial Services

Don't let the unexpected put your business at risk. Whether you're a retailer, contractor, florist, or artisan, protecting your valuable assets should be a top priority. Aegis Insurance & Financial Services specializes in helping small business owners find the right insurance solutions to keep their operations running smoothly.

Contact Aegis Insurance & Financial Services today at 713-850-7622 to discuss how Inland Marine Insurance can provide peace of mind and financial protection for your business. Let's ensure your hard work is safeguarded, no matter where your business takes you!