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Comprehensive Inland Marine Insurance Coverage by Parson Insurance Agency

Protecting Your Valuable Goods in Ohio
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Parson Insurance Agency/ inland marine insurance

Understanding Inland Marine Insurance

The term "inland marine" can be confusing, but it significantly differs from "marine insurance," which covers items transported over water. Inland marine insurance protects goods transported over land—whether by truck, rail, or temporarily stored by a third party. Collisions and cargo theft are the two most common causes of inland marine losses.

Key Insights into Inland Marine Insurance

Inland marine insurance is a vital business insurance type that covers products, materials, and equipment transported over land, such as by truck or train. It is designed to protect movable commercial property used for transportation or communication.

This coverage helps cover the expense of repairing or replacing portable commercial property damaged by insured perils, including:

  • Theft
  • Water damage
  • Fire
  • Wind
  • Hail

Additionally, inland marine insurance policies may offer extra coverage for specific scenarios, such as:

  • Mysterious Disappearance: Coverage for property lost without a known cause.
  • Accidental Damage: Protection against losses caused by dropping or mishandling items during transit or loading/unloading.

What Does Inland Marine Insurance Cover?

Inland marine insurance is a specialized property insurance type, which is optional for all businesses. However, businesses in Ohio that meet the following criteria should consider this coverage:

  • Regularly transport property by land
  • Occasionally ship valuable goods
  • Own items that move between business sites
  • Store property at third-party facilities
  • Keep property in commercial vehicles (such as food trucks or repair vehicles)

Given the potential exposures like damaged equipment, contamination, and stolen goods, an inland marine policy can be tailored to address your business's risks. We can assist you in determining if inland marine insurance is a prudent choice for your business needs in Ohio. Contact Parson Insurance Agency today!

Who Needs Inland Marine Insurance?

Inland marine insurance is ideal for businesses with the following characteristics:

  • Frequently transport property over land
  • Occasionally ship high-value items
  • Own assets that move between different business locations
  • Store property in third-party owned locations
  • Use commercial vehicles regularly (e.g., food trucks, repair vehicles)

From damaged equipment to contamination and theft, these are just some daily risks your business might face. With an inland marine policy tailored to your needs, Parson Insurance Agency in Ohio can help you manage these risks effectively. Contact us today to learn more about how we can protect your business.

Already have Inland Marine Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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