Inland Marine Insurance in North Dakota-Coverage for Tools, Equipment & Movable Property
Coverage That Follows Your Equipment-On the Road, Job Site, or Farm
Inland marine insurance covers your valuable tools, equipment, and mobile property as they move between locations-protecting you from losses due to theft, transit damage, or job-site accidents. Whether you're a contractor, farmer, or business with mobile machinery, this coverage bridges the gap between property insurance (which stops at your address) and the real world-where equipment is always on the go.
Protection for Mobile Tools, Equipment, and More
Mobile Equipment Coverage
Insures items like skid steers, generators, welders, power tools, and small machinery used away from your premises.
Tools & Equipment Insurance
Covers everything from hand tools to larger items, whether stored in trucks, trailers, or at job sites.
Equipment in Transit Coverage
Protects against loss or damage while moving equipment between job sites, farms, or storage locations.
Contractor Equipment Floater
Tailored for contractors and trades-covers scheduled high-value gear or a blanket limit for groups of tools.
Installation Floater
(If needed) Covers materials and equipment awaiting installation at a job or farm site.
Know What Policy Does What-Stop Guessing
Inland Marine
Covers YOUR owned tools/equipment from theft, damage, or loss-on-site, in transit, or at temporary locations.
General Liability
Covers third-party injury or damage-NOT loss to your own equipment.
Commercial Property
Covers items at your main address-once you move gear, coverage can end.
Gateway reviews your operations and helps coordinate the right blend of coverage for your risks.
Local Realities-Equipment Always on the Move
Frequent movement between farms, fields, job sites, and yards in Bismarck, Mandan, and surrounding counties
Theft risk from trucks, trailers, and open job sites-especially during busy seasons
Winter storage, temporary sites, and remote work-coverage that adapts as your business or farm does
Flexible Options for Scheduling, Limits & Premiums
Schedule high-value items individually (with make/model/serial and values)
Blanket or group lower-value tools for simpler paperwork
Limits and pricing based on values, usage patterns, security, and transport distance
Gateway compares carrier options to find the best fit for your specific equipment and operation
Inland Marine Insurance-Questions Answered
What is inland marine insurance?
Protection for tools, equipment, and movable property-covers losses anywhere, not just at your main address.
Does inland marine cover tools in my truck or trailer?
Yes-if included, it covers theft/damage from trucks, trailers, and job sites.
Is equipment covered when it's off premises?
Yes-if scheduled or blanket-covered on inland marine, your equipment is protected at temporary locations.
What's the difference between inland marine and general liability?
Inland marine covers YOUR gear; general liability covers injury or damage you cause to others.
Protect Your Tools & Equipment-Request an Inland Marine Quote
Gateway Insurance reviews your inventory, explains scheduling, and delivers local advice for protecting the property that keeps your business moving.