Inland Marine & Builders Risk Insurance Idaho

Our approach

Your commercial property policy covers what's sitting at your business address. But if you're a contractor with equipment on a job site in Nampa, a developer building a spec home in Eagle, or a manufacturer shipping product to Meridian, that property needs coverage designed for assets that move. That's what inland marine does.

We build inland marine programs for contractors, developers, and businesses with mobile property exposure. Builders risk policies that protect projects from groundbreaking through final occupancy. Equipment floaters that cover your tools and machinery wherever they travel. Installation floaters for property you're installing at a customer's site. The details matter enormously in this class of coverage: valuation methods, covered perils, and soft cost provisions can make or break a claim.

coverage

Builders risk

Covers buildings under construction from the foundation pour through completion. Materials, labor costs, temporary structures. Master policies available for developers with multiple concurrent projects. This is the policy that protects the project you're pouring money into every day.

Contractors equipment

Covers owned, leased, and rented equipment at job sites, in transit, and in storage. Excavators, tools, generators, trailers. Scheduled or blanket coverage depending on your operation. If it leaves your shop, it needs a floater.

Installation floater

Covers materials and equipment you're installing at a customer's site: HVAC systems, electrical panels, cabinetry, fixtures. From delivery through acceptance. Protects your work and your contract obligations.

Transit and motor truck cargo

Covers goods and materials in transit. If your trucks haul product, materials, or customer property, this coverage protects what's in the vehicle from accidents, theft, and weather damage during transport.

Electronic data processing

Specialized coverage for computer hardware, servers, phone systems, and proprietary software. Covers physical damage, electrical surge, and data restoration costs. Your standard property policy doesn't adequately cover your IT infrastructure.

Soft cost and delay coverage

When a covered loss delays a construction project, the financial impact goes beyond repair costs. Additional interest expense, extended overhead, lost rental income. Soft cost extensions cover the money a delay costs you beyond the physical damage.

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We inventory your mobile assets

Equipment on job sites, materials in transit, property at temporary locations. We find everything your standard property policy misses.

We build coverage that travels

Floaters, builders risk, transit coverage. Structured for where your property actually goes, not where it sits.

We handle job site claims fast

Job site losses are time-sensitive. We push claims through quickly so your project stays on schedule and your equipment gets replaced.

Standard property covers what stays put. This covers everything that moves.

If your business involves property that travels, inland marine fills the gaps your property policy leaves. We make sure your coverage follows your assets wherever they go.

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Common questions