1. Why Standard Property Stops at 100 Feet
Standard commercial property policies only cover business equipment while located inside the building or within 100 feet of the insured premises. If tools, medical devices, or photography gear leave the premises, they are completely excluded.
2. Inland Marine Floaters
Inland Marine floaters provide worldwide, all-risk coverage for movable gear, contractor tools, cargo in transit, and client property temporarily in your custody.
Despite its historical name, inland marine insurance has nothing to do with boats; it covers high-value business equipment, tools, photographic gear, and cargo while in transit or off-premises. Audit your transit exposures with our Business Insurance Needs Checklist.
Compare standard commercial property limitations in our Commercial Property Insurance Guide and explore bundled protections in BOP: Business Owner's Policy Explained.
Review how exclusions are applied to off-site property in What is an Exclusion in Insurance? and Glossary: Exclusion.
Compute total capital required to settle liabilities and sustain your family's standard of living.
