Inland Marine Insurance for California Operations.

A contractor's equipment floater covers tools, equipment, and machinery used in contracting operations — whether at job sites, in transit, or in storage. Coverage typically applies to scheduled items (high-value pieces listed individually) and blanket coverage (lower-value tools covered without individual scheduling). Premium is based on equipment values, type of contracting, and protective measures (locked storage, GPS tracking on high-value items). California contractors with significant tool investments routinely save money and improve coverage with proper floater structure.

Motor truck cargo insurance covers goods being transported by your vehicles — your own products being shipped to customers, or third-party cargo if you're a for-hire carrier. Coverage limits should reflect the highest-value cargo you transport in a single load. Specific commodities (electronics, pharmaceuticals, refrigerated goods) often need specialized coverage. We size cargo coverage to actual operations and confirm any commodity-specific requirements.

Bailee coverage protects other people's property in your possession — clothing at a dry cleaner, vehicles at an auto repair shop, equipment at a service center, garments at a tailor. Standard property doesn't cover others' property; bailee or 'customers' goods' coverage is specifically designed for businesses that hold customer items. Coverage applies to fire, theft, water damage, and sometimes broader perils depending on policy.

Exhibition coverage protects items at trade shows, fairs, art galleries, or similar venues — both in transit and during display. Coverage typically extends for the duration of the event plus reasonable transit time. Specialized coverage applies to fine art, jewelry, antiques, and similar high-value displays. We structure event-specific coverage for one-time exhibitions and ongoing annual coverage for businesses that exhibit regularly.

Electronic data processing (EDP) equipment coverage handles computers, servers, networking equipment, and mobile devices — often with broader terms than standard property. EDP coverage typically includes data restoration costs and business interruption from electronic equipment failure. Cyber coverage handles security breaches; EDP coverage handles physical damage and breakdown. Both are sometimes needed depending on operations.

Yes, typically — but coverage may be subject to specific provisions. Theft from locked vehicles is generally covered, but some policies sublimit unattended-vehicle theft or require specific storage conditions (locked enclosed area, garaged overnight). Theft from unlocked or unattended-but-unlocked vehicles is often excluded. We confirm policy provisions match actual operations.

Transit coverage protects goods or property being transported — by your own vehicles, by common carriers, or by other means. Coverage typically applies door-to-door (from origin to final destination) and covers theft, damage in transit, and sometimes broader perils. Cargo carrier insurance (for for-hire trucking) and transit coverage (for shipper's own goods) are related but distinct products. We coordinate as needed for operations with both exposures.

Fine art, jewelry, and antiques typically require scheduled items lists with appraisals or documented values. Coverage is broader than standard property (typically all-risk including mysterious disappearance) and addresses specific exposures (breakage of fragile items, color/style obsolescence for some categories). Specialized markets (Chubb, AXA Art, jewelers' specialty markets) write this coverage with appropriate expertise. We coordinate with these markets for high-value individual items.