As a business owner, you may, or in many cases, may not have heard mention of an insurance coverage called, “Inland Marine.” Perhaps someone has suggested that you look into getting an inland marine policy, but you disregarded it because you thought, “Why would I need that coverage when my business has nothing to do with anything “marine” related?” Well, you might be surprised to learn that an inland marine policy does not necessarily mean what you think it does. An Indiana inland marine insurance policy, simply put, is coverage for your property in transit and/or property that is of significant value, that you want protected. That means, all of those tools and pieces of equipment that you haul back and forth with you to different jobs will be insured under this policy. Many times, people assume that their tools, etc., will be covered under their commercial property policy. While it’s true that equipment can be covered under your commercial property policy, it only protects it on your premises at your business address. So, if you own a lawnmower that you use frequently in your thriving landscaping business, you will certainly want to make sure that it is covered in the event that it were to be damaged or stolen. After all, these tools are essential in doing your life’s work and sustaining your livelihood.
There is always a chance of something going not according to plan. So, rather than taking the chance of having your business property lost or damaged, protect it with your Indiana inland marine insurance policy. An inland marine policy isn’t just strictly for contractors either. It actually covers a wide variety of business ventures. For example, this policy not only covers your tools and equipment, but also any portable computers and data, valuable documents, merchandise, or any other items that you transport for your business. If you are a photographer using a high-end camera, your inland marine policy will cover it. If you are a collector of fine art that you bring to different exhibits, that’s covered. If the new, neon sign you just bought for your restaurant gets hit by a storm that rolls through- guess what? It’s covered.
At IMG, we understand the importance of how necessary it is that your equipment stay intact and ready for use. Come and talk with us about your business. We will learn your procedures in depth, and gather the necessary details about your tools, equipment, and how you use them, so that we can provide you an Indiana inland marine insurance policy that provides you whole, quality coverage at an affordable price. We are ready to serve you and answer any questions you may have. Our friendly, knowledgeable agents will provide you with the information and the assurance that you need to make you feel prepared and confident that the valuable equipment you use every day is protected and secure. Stop by our office or call us at 765-664-2333 to learn more about how we can help assist in providing you with an Indiana inland marine policy for you.