Inland Marine Insurance

Overview of the BTIS Inland Marine Program

BTIS offers admitted, A-rated carrier capacity in select states and broad availability elsewhere through competitive markets. The program covers mobile property exposures including tools, contractor equipment, stock, installation floaters, leased/rented equipment and electronic data processing equipment (EDP). It is built for contractors who move property from site to site as well as businesses that maintain high-value equipment or inventory at a fixed location.

Ideal Accounts and Appetite

This program is a strong fit for artisan and light-to-heavy contractors and related trades. Typical target classes include:

Additional classes we routinely consider:

Coverage Highlights and Advantages

The program can handle large pieces of equipment (excavators, loaders, concrete pumps) and large commercial or industrial buildings used in processing or manufacturing where inland marine coverage is appropriate.

Underwriting Notes and Minimums

BTIS underwriters focus on clear schedules of values, proper classification of mobile equipment versus installable property, and evidence of sound loss-control practices. Minimum premium is $750; larger accounts and high-value schedules are accepted but require detailed schedules and photos for items over typical schedule limits. The program generally allows most contractor classes, but certain high-hazard operations may require referral or additional underwriting information.

Territories and Availability

Coverage is available in most U.S. states. Admitted capacity is available in some states with non-admitted or surplus options used where needed. Territories served include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Why Place Inland Marine with BTIS

BTIS combines program-level expertise in construction and contracting exposures with a streamlined quote-and-bind process. Agents benefit from:

Example Accounts

Example 1: You have a regional landscaping contractor that routinely transports $120,000 of commercial mowers and attachments between jobs. A scheduled inland marine policy with agreed values will protect those assets in transit and at customer sites.

Example 2: A commercial concrete contractor owns a concrete pump and two excavators valued at $350,000 combined. BTIS can place scheduled equipment coverage with appropriate limits and deductibles to protect those assets on and off site.

BTIS can provide a fast quote and simple binding process. Contact us for more details on appetite, required submission materials, and any state-specific considerations for Inland Marine Insurance.