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Unlike a commercial property policy, inland marine coverage helps protect your equipment from accidental loss or damage wherever you work across the US. Whether you’re a photographer shooting on location or a contractor working across multiple job sites, you’ll want the peace of mind knowing your gear is covered.
Equipment you use
If you rent equipment, borrow a colleague’s tool, or hold a customer’s appliance in your shop while repairing it, inland marine insurance can also cover the replacement cost if something goes wrong.
- Thimble Tip: Consider adding a loss payee if the equipment you use and have itemized on your inland marine policy is financed or owned by someone else. The loss payee in this case is the financier or owner of the leased equipment, helping protect you from costs of broken equipment you haven’t even paid off yet.
Who needs inland marine insurance for small businesses?
If you own or use equipment to do your job, inland marine insurance is worth considering. Almost every profession involves some kind of gear, and replacing it out of pocket can be costly.
Inland marine insurance is the property solution for hundreds of professions, including (but not limited to) the following popular activities:
How much does Business Equipment Protection cost?
There’s no one-size-fits-all cost for inland marine insurance for small business owners. In fact, inland marine insurance costs a different amount for every policy holder because of the type of equipment needed to be covered.
Thimble’s inland marine coverage is an optional coverage available to bundle alongside general liability coverage with most policies (exclusions apply). This means the coverage cost for your small business insurance will start with the base cost of your general liability premium and increase as you add options like inland marine coverage.
Thimble offers a few inland marine coverage limits to match the value of your equipment. For some classes, Thimble offers coverage limits up to $25,000. For all other activities, Thimble offers $1,000, $2,500, and $5,000 limits – all with a low $500 deductible.
A higher limit means a slightly higher monthly cost. You pay the quoted premium, and if anything happens to your equipment, you have coverage for accidental loss or damage to covered equipment up to your selected limit. Simple.
Inland marine insurance FAQs
Why would I need to list the make and model of an item?
Listing a specific item on your policy is called “scheduling” coverage, and it’s only required for items valued over a stated limit on the policy. By recording the make, model, and serial number of your most valuable assets, Thimble can minimize fraudulent claims and ensure you’re paid the right amount if you ever need to make a claim.
Can I purchase inland marine insurance on a short-term policy?
No. To reduce the risk of fraudulent claims and to comply with state regulations, inland marine insurance is only available on Thimble Monthly or annual policies, not on-demand or short-term policies. This also makes sense because equipment can be damaged even when you’re not actively working.
How do I file an inland marine insurance claim?
To file a claim, visit https://app.thimble.com/widgets/report-claim.
Does inland marine insurance cover theft of my equipment?
Yes. Inland marine insurance can cover theft of your tools and equipment, in addition to other accidental damage and loss wherever you’re working across the US.
Is inland marine insurance worth it for small business owners?
For most small business owners who rely on tools or equipment to do their jobs, inland marine insurance is a cost-effective way to help protect a major business asset. It’s designed to give independent workers peace of mind.
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Fast & Easy
This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.
Super easy to use! Thought of everything
This app is beautiful and super easy to use! It's super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I'm done.
Awesome Product
I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!
So Easy!!! I LOVE IT
It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!
Great rate!
I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.
I love the convenience
I love the convenience of this insurance app, its the best thing since sliced bread????????
Fast & Easy
This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.
Super easy to use! Thought of everything
This app is beautiful and super easy to use! It's super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I'm done.
Awesome Product
I love this idea ????!! I needed to have proof of liability to present my proposal; got it on the spot. I didn't win the bid but I didn't get stuck with costly insurance, either!!
So Easy!!! I LOVE IT
It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!
Great rate!
I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.
I love the convenience
I love the convenience of this insurance app, its the best thing since sliced bread????????
