Inland marine coverage forms provide coverage for what?

Inland marine coverage forms are designed to provide insurance for a wide variety of property types that are mobile and can be transported from one location to another. This includes not only goods and equipment in transit but also specific types of personal property that are not necessarily tied to a physical location, such as art, jewelry, and equipment.

This type of coverage is particularly useful for businesses that engage in shipping or that own movable equipment. For example, a contractor may use inland marine insurance to protect tools and equipment that are routinely transported to job sites. Since this form of insurance specifically addresses property that travels across land or is not affixed to a permanent structure, it is distinct from standard property insurance, which typically focuses on real estate and assets that are fixed in place.