✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Inland Marine Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Protect Your Tools, Equipment & Cargo.

Inland Marine Insurance from Brawner Insurance protects mobile business property — tools, equipment, cargo, and materials while in transit or at job sites. We help contractors, truckers, and mobile businesses across Missouri, Iowa, Kansas, and Illinois find affordable inland marine coverage from multiple top carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Mobile Asset ProtectionTools, equipment & cargo
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Mobile Businesses Choose Brawner Insurance

Your tools, equipment, and cargo are the lifeblood of your business — but most commercial property policies do not cover them when they leave your location. Whether you are a contractor with $50,000 in tools on a truck, a trucker hauling valuable cargo, or a business transporting materials, Inland Marine is essential protection.

As an independent insurance agency since 1992, Brawner Insurance helps contractors, truckers, and mobile businesses find the right Inland Marine coverage from multiple top carriers. We understand mobile asset risks and customize policies to your specific equipment, operations, and transit needs.

Inland Marine Insurance
Mobileproperty protection beyond your location
Flexiblescheduled or blanket coverage options
Since 1992serving Midwest contractors and mobile businesses

From contractors and tradespeople to truckers and delivery businesses, Brawner Insurance helps Midwest companies protect their mobile assets with affordable Inland Marine coverage. Our independent agency advantage means we shop multiple carriers for the best rates.

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Protect your tools and equipment.

We will review your mobile assets, operations, and transit needs, compare quotes from multiple top carriers, and help you find affordable Inland Marine coverage — at no cost to you.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Inland Marine Through Brawner

Inland Marine protects mobile business assets. Here is what is typically covered.

Tools and Equipment

Tools & Equipment

Covers contractor tools, portable equipment, and small machinery while in transit, at job sites, or in storage — protecting your livelihood from theft, damage, and loss.

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Mobile Equipment

Mobile Equipment

Protects heavy mobile equipment like bulldozers, excavators, forklifts, and cranes — covering damage, theft, and loss while on the move or at work sites.

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Cargo and Goods

Cargo & Goods in Transit

Covers merchandise, materials, and products while being transported by truck, rail, or other means — essential for businesses that move goods between locations or to customers.

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Installation Coverage

Installation Coverage

Protects materials and equipment during installation at client job sites — covering the gap between delivery and completion when contractors face liability for materials.

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Builders Risk

Builders Risk

Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.

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Every Business Is Different

Build your policy.

We tailor BOP coverage to your industry, size, and risk profile — every business is unique.

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Your Options

Inland Marine vs. Commercial Property — Which Fits You?

Inland Marine and Commercial Property cover very different risks. Businesses with mobile assets need Inland Marine for complete protection.

Option 1

Mobile Equipment

  • Covers temporary disabilities of weeks or months
  • Benefits begin after 0-14 day waiting period
  • Typically pays for 3-12 months
  • Replaces 60-70% of income during recovery
  • Ideal for surgeries, childbirth, short illnesses
  • Often offered through employers or individually

Best for: people who need immediate income protection for temporary setbacks.

Option 2

Cargo & Goods in Transit

  • Covers serious disabilities lasting years
  • Benefits begin after 90-180 day waiting period
  • Typically pays until age 65 or 67
  • Replaces 50-70% of income long-term
  • Ideal for chronic illness, serious injury
  • Most critical coverage for professionals

Best for: professionals who need to protect decades of future earning potential.

Businesses with mobile equipment and tools need Inland Marine — commercial property policies do not cover items away from business locations.

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Not sure what coverage is right for you?

We will review your equipment, tools, and operations to recommend the right Inland Marine coverage.

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660-665-1687  ·  660-754-1000

Key Facts

What You Should Know About Inland Marine

Understanding these key facts helps you choose the right inland marine coverage for your mobile assets.

Mobile Coverage

Inland Marine covers property on the move — tools, equipment, cargo, and materials in transit or at job sites away from your business location.

Who Needs It

Contractors, tradespeople, truckers, and any business with valuable mobile equipment or tools needs Inland Marine Insurance for complete protection.

Gap Coverage

Inland Marine fills a critical gap — commercial property policies exclude items away from your business location, leaving mobile assets unprotected without dedicated coverage.

Customizable

Inland Marine policies are highly customizable — you can cover specific high-value items, schedule equipment lists, or get blanket coverage for all mobile property.

Planning Tip: Do not wait for a theft or damage to discover coverage gaps. Inland Marine protects the mobile assets your business depends on — contractors and tradespeople should not operate without it.

Our Process

How We Help You Choose

1

Review Your Situation

We learn about your equipment, tools, operations, and transit needs to recommend the right Inland Marine coverage for your business.

2

Compare Carriers

We shop your Inland Marine across top carriers to find competitive pricing and the right coverage features.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no insurance jargon.

4

Set Up and Support

We handle the application, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

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Looking for guidance specific to your needs?

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Getting Started

How Inland Marine Works

1

Free Consultation

We start by understanding your equipment, tools, and operations so we can recommend the right Inland Marine policy.

2

Plan Comparison

We compare Inland Marine policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Businesses Across Missouri, Iowa, Kansas & Illinois

See why business owners across the Midwest trust Brawner Insurance for BOP coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

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Common Questions

Inland Marine Insurance FAQ

What is Inland Marine Insurance?

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Inland Marine Insurance covers property that is mobile, in transit, or stored away from your primary business location. Despite the name, it has nothing to do with boats — it protects tools, equipment, cargo, and materials while on the move or at job sites.

Who needs Inland Marine Insurance?

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Contractors, tradespeople, truckers, delivery businesses, and any company with valuable mobile equipment or tools needs Inland Marine. This includes construction companies, electricians, plumbers, landscapers, and businesses that transport goods.

What does Inland Marine cover?

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Inland Marine covers tools and equipment, mobile machinery, cargo and goods in transit, installation materials, builders risk, computer equipment, and other property that moves between locations or is used away from your business.

Why is it called Inland Marine?

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The name dates to when marine insurance covered cargo on ships. As trade expanded to inland waterways and railroads, Inland Marine was created to cover goods moving overland. Today it covers any valuable mobile property, regardless of transport method.

Does commercial property insurance cover mobile equipment?

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No — commercial property policies typically only cover property at your listed business location. Items in transit, at job sites, or temporarily stored elsewhere are excluded. That is why Inland Marine is essential for businesses with mobile assets.

Can Brawner Insurance help me find the right Inland Marine policy?

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Yes — as an independent insurance agency, Brawner Insurance shops Inland Marine coverage across multiple top carriers to find the right protection at a competitive rate. We work with businesses across Missouri, Iowa, Kansas, and Illinois.

Protect your mobile assets today.

Brawner Insurance helps contractors, truckers, and mobile businesses across the Midwest find affordable Inland Marine Insurance from multiple top carriers — protecting tools, equipment, cargo, and materials in transit and at job sites.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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