Coverage for Business PropertyThat Doesn’t Stay Put.
Basic commercial policies often exclude or limit coverage for tools, equipment and goods on the move. Daffin Insurance helps businesses across Bay County, Gulf County and the Forgotten Coast seal that gap with inland marine coverage.
Seal the Gaps in Your Business Coverage
If your equipment moves, works off-site or ships out, your basic policy may not follow it.
Independent, Not Captive
We’re built on partnerships in business coverage. We don’t work for the insurance industry. We work for you.
Equipment on the Move
Coverage for property that is movable or transportable, from contractor tools to shipped goods.
Built Around Your Business
Musicians, photographers, galleries, contractors, dealers and more. We match coverage to what you actually haul.
Real Agents, Two Offices
No call centers, no phone trees. Call Panama City or Port St. Joe and a local agent picks up.
What Is Inland Marine Insurance?
Basic commercial policies commonly exclude or limit coverage for transporting business-related tools, equipment or property. If your business owns equipment that moves regularly, that gap can put your assets at serious risk, and it’s on the business owner to make sure it’s sealed.
Inland marine insurance, also known as cargo insurance, covers property that is movable or transportable. It’s often used for property that needs broader protection than a typical business owners policy provides.
Whether you’re working off-site, shipping goods or need coverage on contracting equipment, inland marine coverage should be part of your overall plan.
What a Inland Marine Policy Covers
- Tools & machinery used by contractors and specialized craftsmen.
- Equipment installed at a customer’s home or place of business.
- Musical instruments, photography equipment and fine art for galleries.
- Vending machines on property your business doesn’t own.
- Dealers service, billboards and cellular communication towers.
- Goods in transit: one-time trip transit and shipments sent or received through common carriers.
Your basic policy may stop at the door.
Inland marine goes where your equipment goes.
Protection Wherever the Work Goes
Inland marine coverage fills four common gaps. We help you find the ones that apply.
Tools & Equipment
Machinery and tools that travel between jobsites with contractors and craftsmen.
Installation Work
Equipment installed at a customer’s home or business, and dealer service property.
Specialty Property
Musical instruments, photography gear, fine art, vending machines, billboards and towers.
Goods in Transit
One-time trip transit and goods sent or received through common carriers.
What Our Neighbors Are Saying
“Daffin Insurance has been nothing short of amazing. They found us better home coverage at a lower rate than we had been paying for years. Local, honest, and genuinely helpful.”
“When our business needed commercial coverage quickly, Daffin came through same day. Real people, real answers. I would not trust anyone else with our Gulf County business insurance.”
“After Hurricane Michael I needed flood and wind coverage fast. Daffin walked me through every option with patience and zero pressure. They truly care about this community.”
How Businesses Save
Independent Comparison
We compare options from our carrier partners so you see real choices.
Cover Only What Moves
We focus coverage on the property that actually leaves your premises.
Fill Gaps, Don’t Duplicate
We review your existing business policy so you’re not paying twice for the same thing.
A Second Look at Renewal
Send us your current policy and we’ll compare coverage and price.
Inland Marine, Asked and Answered
What is inland marine insurance?
It covers business property that is movable or transportable, such as tools, equipment and goods in transit, which basic commercial policies often exclude or limit.
Isn’t my equipment covered by my business policy?
Not always. Basic commercial policies commonly exclude or limit coverage for tools, equipment or property being transported. Inland marine fills that gap.
Is inland marine the same as cargo insurance?
Inland marine is also known as cargo insurance. It supplements your basic coverage for the property you haul in the course of doing business.
What kinds of property can be covered?
Contractor tools and machinery, installed equipment, musical instruments, photography equipment, fine art, vending machines, dealer service property, billboards, cell towers, and goods shipped or received.
Who needs inland marine coverage?
Any business that works off-site, ships goods or carries contracting equipment, from contractors and installers to photographers, musicians and galleries.
Cover What You Haul to Every Job.
Tell us what your business moves and where. We’ll come back with options, usually within one business day, from a local agent who answers the phone.
Mon–Thu 8:30a–5p CT · Fri 8:30a–4p CT
Mon–Thu 10a–5p ET · Fri Closed
Coverage descriptions are general and subject to policy terms, underwriting, and availability.