From contractors in Kirksville to truckers across Missouri, MO mobile businesses trust Brawner Insurance for Inland Marine Insurance — Brawner Insurance helps Missouri small businesses find affordable Inland Marine Insurance from multiple top carriers.
Missouri has tens of thousands of contractors, tradespeople, and mobile businesses. From construction crews to delivery fleets, MO businesses need Inland Marine Insurance to protect tools, equipment, and cargo that travel between job sites and locations.
As an independent agency since 1992, Brawner Insurance helps Missouri small business owners compare Inland Marine quotes from multiple top carriers, customize coverage to their equipment and operations, and find competitive rates — all while providing local, personal service.

From contractors to truckers across Missouri, Brawner Insurance helps mobile businesses protect their tools and equipment with affordable Inland Marine coverage. Our independent agency model means we shop multiple carriers for the best rates.
Get a Free Quote →Brawner Insurance helps Missouri small businesses find affordable Inland Marine Insurance from multiple top carriers — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Inland Marine protects mobile business assets. Here is what is typically covered for Missouri businesses.

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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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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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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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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Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.
Learn More →We tailor BOP coverage to your industry, size, and risk profile — every business is unique.
Talk to an Agent →Inland Marine and Commercial Property cover very different risks. Businesses with mobile assets need Inland Marine for complete protection.
Best for: people who need immediate income protection for temporary setbacks.
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.
Get Inland Marine Quote →We will review your equipment, tools, and operations to recommend the right Inland Marine coverage.
Get a Free Inland Marine Review →660-665-1687 · 660-754-1000
Understanding these key facts helps you choose the right inland marine coverage for your mobile assets.
Inland Marine covers property on the move — tools, equipment, cargo, and materials in transit or at job sites away from your business location.
Contractors, tradespeople, truckers, and any business with valuable mobile equipment or tools needs Inland Marine Insurance for complete protection.
Inland Marine fills a critical gap — commercial property policies exclude items away from your business location, leaving mobile assets unprotected without dedicated coverage.
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.
We learn about your equipment, tools, operations, and transit needs to recommend the right Inland Marine coverage for your business.
We shop your Inland Marine across top carriers to find competitive pricing and the right coverage features.
We walk through coverages, limits, and exclusions in plain language — no insurance jargon.
We handle the application, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your equipment, tools, and operations so we can recommend the right Inland Marine policy.
We compare Inland Marine policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why business owners across the Midwest trust Brawner Insurance for BOP coverage.
"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."
"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."
"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."
In Missouri, Inland Marine Insurance covers property that is mobile or in transit — tools, equipment, cargo, and materials while on the move or at job sites. It has nothing to do with boats despite the name.
Any Missouri business with mobile equipment or tools needs Inland Marine — contractors, tradespeople, truckers, delivery services, landscapers, and more. If your equipment leaves your business location, you need this coverage.
In Missouri, Inland Marine costs vary based on equipment value, operations, and coverage limits. Small contractors often pay $400-$1,500 annually. Brawner Insurance compares quotes from multiple top carriers for Missouri businesses.
No — Missouri commercial property policies only cover items at your listed business location. Tools and equipment in transit, at job sites, or stored elsewhere are excluded. Inland Marine is essential for mobile asset protection.
Yes — Brawner Insurance helps Missouri businesses cover cargo and goods in transit with Inland Marine Insurance. This is essential for trucking companies, delivery services, and any business moving valuable materials.
Yes — Brawner Insurance works with Missouri contractors and mobile businesses to compare Inland Marine policies from multiple top carriers, explain scheduled vs blanket coverage, and find the right protection for their needs.
Brawner Insurance helps Missouri small businesses find affordable Inland Marine Insurance from multiple top carriers — property, liability, and interruption in one package.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
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