Inland Marine Insurance in Florida | Protect Tools, Equipment & Valuables

Inland Marine Insurance in Florida

When your valuable property moves off-site — whether it’s contractor tools, photography gear, jewelry, or fine art — a standard homeowner’s or business policy may not fully protect it. That’s where Inland Marine Insurance comes in.

Despite its name, inland marine insurance has nothing to do with boats. It’s a specialized coverage designed to protect property in transit or stored away from its primary location — ideal for contractors, businesses, and individuals across Florida.

At Barefoot Insurance Brokers, we offer inland marine coverage for both personal and commercial property owners, ensuring your valuables are protected wherever your work — or lifestyle — takes you.

What Is Inland Marine Insurance?

Inland Marine Insurance evolved from early ocean cargo policies and now protects movable or specialized property on land. It covers property that’s in transit, mobile, or frequently located away from your main premises.

It’s essential for:

  • Contractors transporting tools and machinery between job sites
  • Artists and photographers moving equipment or exhibits
  • Homeowners insuring jewelry, collectibles, or fine art
  • Businesses storing equipment off-site or in vehicles

In short, inland marine coverage protects property that doesn’t stay put.

Inland Marine Coverage for Florida Businesses

Businesses that transport or rely on portable tools and equipment are particularly vulnerable to theft, damage, and weather exposure — especially in Florida’s unpredictable climate.

Barefoot Insurance Brokers offers commercial inland marine insurance for:

  • Contractors & Tradespeople: Protects power tools, compressors, ladders, and other equipment stored in trucks or trailers.
  • Construction Companies: Covers machinery, cranes, or generators transported between sites.
  • Installation & Service Professionals: For electricians, HVAC technicians, marine repairers, and landscapers carrying specialized tools.
  • Mobile Vendors & Food Trucks: Covers cooking or refrigeration equipment mounted inside vehicles.
  • Event & Entertainment Businesses: Protects rented or owned sound, lighting, and staging gear during transit or setup.
  • Artisans & Fabricators: Insures mobile workshops or valuable works-in-progress.

Without inland marine coverage, these assets are often excluded under standard property or business owner’s policies once they leave your premises.

Personal Inland Marine Coverage

For individuals, inland marine insurance can extend protection to valuables that move with you or are worth more than standard homeowner’s policy limits allow.

Barefoot Insurance Brokers helps Florida residents insure:

  • Jewelry and watches
  • Fine art, collectibles, and antiques
  • Musical instruments
  • Cameras and photography equipment
  • Sports gear (golf clubs, surfboards, diving gear)
  • High-end electronics or laptops
  • Firearms collections

This coverage provides worldwide protection, so your valuables are insured whether they’re at home, in storage, or traveling abroad. Many clients choose inland marine (often called a “personal articles floater”) to fill gaps in their homeowner’s policy and protect against mysterious disappearance, theft, or accidental damage.

Florida’s Unique Risks Make Inland Marine Essential

Florida’s weather and lifestyle increase the need for portable property protection. Frequent rainstorms, humidity, and hurricane exposure all put equipment and valuables at risk — particularly when they’re kept in vehicles, job trailers, or storage sheds.

Common Florida inland marine claims include:

  • Theft of contractor tools from job sites
  • Damage to sound or lighting equipment during outdoor events
  • Lost jewelry or electronics while traveling
  • Storm damage to property stored off-site

Inland marine coverage ensures these losses are reimbursed, minimizing downtime and financial disruption.

Types of Inland Marine Policies We Offer

Barefoot Insurance Brokers works with multiple carriers to offer tailored inland marine policies for Florida residents and businesses, including:

Contractor’s Equipment Coverage

Protects heavy equipment, tools, and materials owned by builders and tradespeople. Coverage can extend to leased or rented equipment and include replacement cost options.

Installation Floater

Covers materials and equipment during installation — for example, a contractor installing HVAC units or built-in cabinetry.

Transportation Floater

Covers goods or equipment while in transit between locations.

Bailee’s Coverage

Protects customers’ property in your care, custody, or control — ideal for repair shops, jewelers, dry cleaners, and storage facilities.

Fine Arts Floater

Designed for galleries, collectors, and private owners to protect artwork during display, storage, or transit.

Personal Articles Floater

Provides scheduled coverage for jewelry, instruments, or collectibles under an individual’s homeowner’s policy.

Each policy can be customized for replacement cost, agreed value, or actual cash value depending on your needs.

Bundling Inland Marine with Other Coverages

Many Florida businesses combine inland marine with their Commercial Property, Business Owners Policy (BOP), or General Liability coverage. Doing so ensures seamless protection and reduces administrative hassle.

Homeowners can also add personal inland marine riders to their existing policies for convenience — or purchase stand-alone floaters for high-value items.

Barefoot Insurance Brokers helps clients identify property that moves, travels, or resides in storage, then pairs inland marine protection with compatible coverage for comprehensive security.

Why Choose Barefoot Insurance Brokers

As an independent Florida agency, Barefoot Insurance Brokers provides inland marine solutions for both individuals and commercial clients across the state — from contractors in Cocoa and Titusville to art collectors in Fort Lauderdale and Palm Beach.

We offer:

  • Access to multiple national and regional inland marine carriers
  • Fast policy quoting and certificate issuance for contractors
  • Expertise in mobile tools, equipment, and specialty property protection
  • Local claims support and personal service
  • Flexible terms for both scheduled and blanket coverage

We understand how valuable your equipment and personal property are — and how quickly they can be lost, damaged, or stolen without the right coverage in place.

Get an Inland Marine Insurance Quote Today

Protect your tools, valuables, and equipment wherever they go. Barefoot Insurance Brokers makes it simple to secure inland marine coverage designed for Florida’s mobile lifestyle and working professionals.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your inland marine insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — protecting Florida’s valuables on the move.