Inland Marine Insurance in Texas

Coverage for Property That Moves

Despite the name, inland marine insurance has nothing to do with boats. It is a specialized type of coverage for valuable business property that is portable, in transit, or located away from your main office. Standard property policies often limit or exclude this kind of equipment once it leaves your premises. At Southwest Insurance Management Group, we help Flower Mound businesses close that gap with inland marine coverage tailored to the way they work.

What Inland Marine Insurance Can Protect

Inland marine coverage, sometimes called a floater, can be written for many types of property, including:

• Contractors equipment, such as tools, trailers, generators, and heavy or light machinery
• Installation floaters for materials and equipment waiting to be installed at a job site
• Builders risk coverage for structures under construction
• Property in transit, including goods you ship or deliver to customers
• Computers, cameras, and electronic equipment that travel with you
• Fine arts, specialty items, and other high-value property
• Rented or leased equipment that you are responsible for while it is in your care

Coverage can respond to losses such as theft, fire, vandalism, collision, and certain weather events, depending on how the policy is written. Terms and exclusions vary, so we walk you through each option.

Ideal for Contractors, Tradespeople, and Mobile Businesses

If your livelihood depends on tools and equipment that go from job to job, one stolen trailer or damaged machine could stop your work and cost thousands of dollars to replace. Inland marine insurance is especially valuable for:

• General contractors and subcontractors
• Electricians, plumbers, HVAC technicians, and roofers
• Landscapers and lawn care companies
• Photographers, videographers, and event professionals
• Technology and field service businesses
• Retailers and distributors who ship goods

Why Choose Southwest Insurance Management Group?

Our Flower Mound team takes time to understand what you own, where it goes, and what it would cost to replace. As an independent agency, we can compare policies from multiple carriers and design coverage that works alongside your commercial property, general liability, and commercial auto insurance. We also offer an annual policy review so your equipment schedule stays accurate as you add new tools and vehicles.

Not sure whether your equipment is covered? Call us at 972-318-0900, email an agent, or request a quote online. We are glad to help.