Your tools walk off job sites and your equipment breaks down mid-project — standard property insurance won't follow gear that moves. Inland marine insurance covers your contractors equipment, tools, and goods anywhere in California or Arkansas, in transit or on site. CISA places coverage through 40+ A-rated carriers. Get a quote in 15 minutes.
Inland marine insurance protects property that moves — tools, equipment, and goods that leave your premises and travel to job sites or customers.
Covers your bulldozers, excavators, lifts, compressors, and other heavy equipment — whether owned, leased, or rented — anywhere it's used, in transit, or in storage.
Protects hand tools, power tools, ladders, and specialty gear that walk off job sites. Scheduled or blanket coverage available with low deductibles.
Covers inventory, materials, and products while they're being transported by a common carrier or your own vehicles — protection your commercial auto and property policies don't provide.
Covers materials and equipment destined for installation at a job site — protecting them from the moment they leave the supplier until they're permanently installed and accepted.
Protects customers' property while it's in your care, custody, or control — essential for repair shops, dry cleaners, and any business that holds others' property.
Covers sudden mechanical or electrical failure of covered equipment — often bundled with inland marine to protect both physical damage and mechanical breakdown.
We structure your policy as a scheduled list (itemized by serial number) or a blanket limit (one number covers all) — whichever keeps your premium low and your claims simple, depending on how your equipment moves.
Your property policy stops at your door. Inland marine follows your gear to every job site, yard, and transit route across California and Arkansas — so a stolen loader or lost shipment doesn't come out of pocket.
When you rent equipment for a job, the rental yard's coverage is often overpriced and limited. We write inland marine that covers rented equipment on your own policy — usually for far less.
Inland marine insurance covers movable property — tools, equipment, and goods in transit — that your standard commercial property policy won't cover because it leaves your premises. Originally created for cargo moved overland, it now covers contractors equipment, tools, and goods moving between job sites.
Yes — theft of tools and equipment from a job site is one of the most common inland marine claims. Coverage follows your gear wherever it goes, including job sites, trucks, and storage yards. We can structure it as scheduled or blanket coverage depending on your needs.
Commercial property insurance covers property at a fixed location listed on the policy — typically your business address. Inland marine covers property that moves — tools, equipment, and goods that travel to job sites, customers, or between locations. Contractors, distributors, and any business with mobile assets needs both.
Cost depends on the value of your equipment, how far it travels, and whether you choose scheduled or blanket coverage. Contractors tools coverage often starts around $300–$700/year, while heavy equipment runs higher. CISA shops 40+ carriers for the most competitive rate on your specific gear.
CISA places coverage across every line your business needs. Explore related policies or talk to a specialist about bundling for savings.
Protect your crew and stay compliant with California labor laws.
Cover bodily injury, property damage, and advertising injury claims.
Specialized programs for high-EMR trades and new CSLB licensees.
Guides on compliance, cost reduction, and claims management.
Looking for something specific? Browse all coverage options or call (209) 400-1710
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.