Inland Marine Insurance in Texas — Protecting What Moves Your Business

Insurance for More Than “Marine” — It’s About Moving Assets

Despite the name, inland marine insurance isn’t for boats. It’s for your valuable property, equipment, and goods while they’re on the move—between job sites, in transit, or off your main location. Standard property insurance only covers items at your fixed address; inland marine steps in for everything else.

Coverage for Tools, Equipment, Cargo & More

Construction worker in hard hat directs a concrete slab being lifted by a crane over a truck bed against a blue sky.

Contractor’s Tools & Equipment

From backhoes and compressors to hand tools and generators—covered at any job site, not just your base.

Goods in Transit

Insures products or materials you ship, deliver, or haul, including coverage for theft or damage during delivery.

Installation Floater

Covers materials from warehouse to installation site—ideal for HVAC, electrical, or plumbing contractors.

Bailee’s Customer Coverage

Protects customer property in your care (dry cleaners, repair shops, etc.) if it’s lost, damaged, or stolen.

Mobile Equipment Coverage

Protects bulldozers, food trucks, irrigation rigs, or any valuable asset that travels or works at multiple locations.

If your property isn’t tied to one place, or if you handle others’ valuables, inland marine keeps you covered.

Protection for Everything Offsite or in Transit

Standard commercial property insurance stops at your front door. Inland marine covers the gap—so if a tool is stolen from a job site, a shipment is lost in a wreck, or customer goods are damaged offsite, your policy pays to repair or replace what’s lost.

Man in safety vest and helmet inspects cargo container on train with a laptop.

Not Just Contractors—A Fit for Many Texas Businesses

Construction & Contractors

Tools, equipment, and jobsite gear

Trucking & Delivery

Goods and cargo in transit

Event & Media Companies

Gear, tech, or art in transport

Farmers & Ag Operations

Irrigation equipment, livestock in transit

Repair & Cleaning Shops

Customer items in your care

We help Texas businesses of all types protect their mobile, movable, and valuable assets.

Coverage That Moves With You

  • Blanket coverage for tool inventories or named high-value equipment
  • All-risk protection (broadest form) for most items
  • Scheduling available for especially valuable single assets
  • Fast claims support to get you back to work, fast


Willingham Insurance tailors your policy to what you own, how you work, and where you go.

Your Inland Marine Insurance Questions, Answered

  • What is inland marine insurance?

    Insurance for movable property, equipment, or goods in transit—not tied to one location.

  • How do I insure tools and equipment on a truck?

    Inland marine covers tools or gear wherever they travel, not just at your business location.

  • Does inland marine cover goods in transit?

    Yes—cargo, products, and supplies moving from point A to B are protected.

  • Can I cover mobile equipment like bulldozers or food trucks?

    Absolutely—just let us know what you need covered and where it goes.

Don’t Let the Unexpected Derail Your Business — Request an Inland Marine Quote

Protect what keeps your business moving, no matter where the job takes you. Contact Willingham Insurance Agency for custom coverage and fast, local service.