Your Equipment Travels. Your Coverage Should Follow.
Standard property insurance only covers items at your business location. Inland marine insurance protects your tools, equipment, and materials wherever your work takes them — job sites, in transit, or off-site storage.
Your Property Insurance Stops at Your Front Door
Standard commercial property insurance only protects your equipment, tools, and materials while they're at the business address listed on your policy. The moment they leave — loaded onto a truck, taken to a job site, shipped to a customer, or stored at a warehouse — they're no longer covered. One theft, one accident, one storm, and you're paying out of pocket to replace everything.
Inland marine insurance is a "floater" policy — the coverage travels with your property wherever it goes. Whether your tools are in your truck, at a client's site, in transit between locations, or stored off-site, inland marine keeps them protected against theft, damage, vandalism, and weather events.
If your business moves tools, equipment, materials, or products between locations — you need inland marine coverage. We help Midwest businesses get the right protection quickly and at the best rate.
Get an Inland Marine Quote →Do your tools and equipment leave your business location?
If your property travels — even to a job site across town — it's not covered by standard insurance. Let us close that gap with inland marine coverage.
Get a Free Quote →660-665-1687 · 660-754-1000
Inland Marine Coverage Through Brawner
Inland marine is a category of coverage with several specialized policy types — each designed for a different kind of moveable property and business risk.
Contractor's Tools & Equipment
Covers your tools, power equipment, and portable machinery against theft, damage, and loss — whether they're in your truck, at a job site, or in storage. The most common type of inland marine coverage.
Builder's Risk
Covers structures under construction and all materials on the construction site — from the foundation pour through final completion. Also covers building materials in transit to the job site.
Goods in Transit
Covers your products, materials, and business property while being transported by truck, van, or other land vehicle — protecting against accidents, theft, weather damage, and other perils during shipment.
Bailee's Customer Coverage
Protects other people's property while it's in your care — essential for repair shops, dry cleaners, warehouses, veterinary clinics, and any business that temporarily holds client property.
Installation Floater
Covers materials and equipment from the moment they're loaded for delivery through installation at the client's site — for HVAC systems, appliances, fixtures, and other installed products.
Motor Truck Cargo
Covers your clients' goods while your business transports and delivers them — protecting you from liability if the cargo is damaged, lost, or stolen during transit on your vehicles.
Electronic Equipment & Computers
Covers laptops, computer systems, networking equipment, scientific instruments, and other portable electronics that travel between locations — protecting against theft, damage, and accidental loss.
Fine Art & Exhibition
Covers valuable artwork, trade show displays, exhibition materials, and collectibles while in transit, on display at events, or stored at locations other than your primary business address.
Let's build your inland marine policy.
We assess your equipment, transit patterns, and storage needs to find the right floater coverage.
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