Complete your Texas Inland Marine & Tools file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
Zero duplicate typing
Construction, Specialty & Bonds • Licensed Texas Agency
Texas Inland Marine, Contractors Equipment & Tool Insurance Quotes
Commercial Property stops 100–1,000 feet from your shop door, and Commercial Auto ignores loose tools and machinery. Insure mobile equipment, trailers, tools, and jobsite materials anywhere they travel across Texas.
✓ Blanket Tools & Scheduled Iron
✓ Leased / Rented Equipment
✓ Installation Floaters
30+ Texas Carriers Compared
Quote Texas Inland Marine & Tools
Enter your 5-digit Texas ZIP code to launch our guided Texas Inland Marine & Tools intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Covers Jobsite & Truck Theft
Protects cordless tool kits, welders, diagnostic gear, generators, and trailers locked in trucks, Conex boxes, or yards.
Sunbelt / United Rentals Ready
Instant Rented/Leased Equipment COI so you can skip overpriced 14%–16% rental-counter damage waivers!
Installation Floater Included
Covers expensive customer-bound HVAC units, solar arrays, switchgear, or custom millwork until accepted.
What Texas Inland Marine & Tools covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Scheduled Heavy Contractors Equipment: Covers Bobcat/CAT skid steers, mini-excavators, backhoes, trenchers, scissor lifts, towable air compressors, and hydro-excavation rigs.
- Blanket Small Tools & Employee Toolkits: Covers unscheduled hand and power tools under $2,500–$5,000 per item without tracking every individual serial number.
- Leased, Rented or Borrowed Equipment: Satisfies rental-house contracts ($50,000–$500,000+ limits) when renting lifts, excavators, or cranes from Sunbelt, United Rentals, or Herc.
- Installation Floater: Protects high-value materials and equipment waiting to be installed at a customer's Texas jobsite before final sign-off.
- Motor Truck Cargo & Owner's Goods in Transit: Covers commercial freight hauled for hire or your own business inventory/displays traveling between Texas sites.
- Bailee's Customer Coverage: Protects customer property temporarily in your care, custody, or control (auto repair/upfit shops, dry cleaners, equipment repair).
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Locked-Vehicle / Forced-Entry Warranty: Most tool floaters require visible signs of forced entry into a locked vehicle, enclosed trailer, or jobbox for overnight theft claims—never leave tools in an open pickup bed.
- Actual Cash Value vs. Replacement Cost on Heavy Iron: Equipment under 5–7 years old can often be insured at Replacement Cost; older yellow iron should be scheduled at realistic market ACV so you don't overpay premium for capped payouts.
- Rental-Counter 'Damage Waivers' Have Huge Exclusions: Equipment rental yards charge 15% on every invoice yet often exclude theft, overturn, or tire/boom damage—carrying Rented/Borrowed Equipment on your Inland Marine policy saves thousands annually.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Commercial Auto + Tools
Close the #1 contractor coverage gap by pairing your work trucks with mobile tool and equipment protection.
Smart Texas Pairing
General Liability + Inland Marine
Combine $1M/$2M CGL, Tools, and Installation Floater on one artisan contractor package.
Smart Texas Pairing
Builders Risk + Installation
Complete property protection for Texas builders and specialty mechanical trades.
Texas Inland Marine & Tools — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Historically evolved from ocean cargo insurance once freight moved inland by rail and truck, Inland Marine today is the commercial insurance category covering movable equipment, tools, mobile electronics, fine art, and property in transit.
Items worth over $2,500–$5,000 each (like a $55,000 skid steer, $14,000 welder, or $9,000 sewer camera) are listed individually by make/model/serial number as Scheduled Equipment, while drills, saws, and hand tools are covered under one Blanket limit.
Yes! Once we add Rented/Leased Equipment ($100k–$250k+) and send your COI to United Rentals, Sunbelt, or Holt CAT, they waive their rental protection fee.
If an HVAC contractor drops a $28,000 rooftop unit onto a client's pad on Friday and thieves strip or storm-damage it Saturday before installation completes, GL and Property won't pay—an Installation Floater covers it.
Active GPS telematics and immobilizers both speed police recovery across Texas and help qualify larger equipment schedules for preferred underwriting.