Best Inland Marine Insurance Providers Of 2024

Best Inland Marine Insurance Providers Of 2024 – Has your business ever suffered financial losses due to property damage or loss during transportation?

Best Inland Marine Insurance Providers Of 2024

If so, you may have been disappointed to find that your commercial property insurance policy doesn’t cover these incidents. Fortunately, there’s a solution to mitigate such expenses when accidents occur: inland marine insurance provides the necessary coverage.

In this blog post, we’ll explore the benefits of inland marine insurance and highlight the top providers of 2024. Moreover, are you aware that between 2% and 11% of goods destined for distribution centers are damaged upon arrival?

This statistic underscores the importance of having adequate coverage. With an inland marine insurance policy, you can safeguard your business from the financial burden of damages incurred during transit.

What is Inland Marine Insurance?

Inland marine insurance is a type of insurance coverage that protects goods, equipment, and property while they are in transit over land or temporarily stored at locations other than the insured’s primary fixed location.

Despite its name, inland marine insurance historically originated to cover goods transported over waterways, but it has evolved to cover various types of property in transit, including cargo transported by truck, rail, or air.

This type of insurance is particularly useful for businesses that regularly transport goods or equipment, as it provides coverage for losses due to theft, damage, or loss during transit or while temporarily stored at warehouses, terminals, or other locations.

Who Needs This Policy?

Inland Marine Insurance is not exclusive to any particular type of business; instead, it is essential for various industries. These include:

  • Agriculture.
  • Construction.
  • Technology companies.
  • Trade show attendees.
  • Entertainment.
  • Contractors.
  • Art dealers and galleries.
  • Landscapers.
  • Transportation companies.
  • Party and special events.
  • Farmers market vendors.
  • Mobile food service.

Best Inland Marine Insurance Providers Of 2024

What are the best inland marine insurance providers in 2024? If you need recommendations or have no idea which company to use, here are a few providers that offer the best services:

  • Allstate.
  • Nationwide.
  • Food Liability Insurance Program.
  • The Hartford.
  • Chubb.
  • Jewelers Mutual.
  • Great American Insurance Group.
  • Travelers.
  • Thimble.
  • Liberty Mutual.


In 2024, Allstate stands out as the premier provider of inland marine insurance for photographers. However, interested clients can conveniently obtain a quote online. With Allstate, photographers receive comprehensive insurance coverage, including transit protection, as part of a full-service package.


Nationwide is a highly esteemed insurance company in the United States, offering inland marine insurance to interested clients. They boast extensive account receivable coverage and are renowned as a top-tier business insurance provider. However, it’s worth noting that residents of Hawaii are unable to access Nationwide’s services for a quote.

Food Liability Insurance Program

For food truck businesses, a recommended option for insurance coverage is the Food Liability Insurance Program. While there are no refunds available and coverage limits are constrained, policies can still be purchased at an affordable rate of $299 per year. Additionally, obtaining a quote online is a straightforward process.

The Hartford

If you’re in search of a broad selection of inland marine insurance policies, look no further than The Hartford. They provide comprehensive policy terms, diverse policy options, and round-the-clock customer service. However, it’s worth noting that online quotes are unavailable, requiring you to purchase a policy through a local agent.


Contractors are one of the people who need an inland marine insurance policy, and with Chubb, you can get the best coverage. They offer specialized policies like risk management services and equipment coverage for employee, leased, or owned properties.

Jewelers Mutual

If your transportation business deals with jewelry, I recommend Jewelers Mutual. Unlike commercial property insurance and homeowners insurance, Jewelers Mutual offers more coverage options for you. Here, individuals and businesses can get a policy.

Great American Insurance Group

Among the best providers in 2024 is Great American Insurance Group. If you usually have customers’ properties with you all the time, you can access a good and comprehensive quote from the Great American Insurance Group. And if the products get stolen or damaged, you will get the protection you need.


For specialized equipment, you can be sure that Travelers will offer you the best coverage and policy. Although they do not have online quotes, you can still visit local agents in any of the 50 states for assistance. In addition, travelers have a high rate of financial stability and customer satisfaction.


One of the best providers in 2024 is Thimble. Thimble offers coverage to small businesses that need protection against goods and equipment damages during transport.

Apart from this, they have affordable coverage and encourage user reviews. However, if you run a large business, we do not recommend Thimble.

Liberty Mutual

Liberty Mutual stands out as the premier provider for floating coverage, ranking among the top providers in 2024. Their services are accessible nationwide, offering specialized coverage for unscheduled equipment.

Additionally, they provide a wide array of free quotes. However, it’s important to note that small businesses may not be able to file claims online.

In Conclusion

If your business involves shipping products and items over land, transporting equipment, storing equipment off-site, or keeping client property on-site, inland marine insurance provides the essential coverage you need.

So, get one today from any of the above insurers and protect yourself from unplanned future expenses in the event of accidents.

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