Hunter NelsonOwner of Nelson Insurance Agency

Inland Marine Insurance Protecting Your Moving Cargo

29 Sept 2026 · 1 min

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In this segment, Hunter Nelson explains that inland marine insurance covers personal property while it is in transit, making it the appropriate coverage for contractors, truckers, and anyone whose cargo is moving. He contrasts this with business personal property insurance, which only protects items that remain on the premises or within a 1,000‑foot radius. Nelson warns that once property moves beyond that 1,000‑foot limit, business personal property coverage typically ends, so he recommends using inland marine insurance for any assets that are regularly transported.

Chapters

It's basically personal property that's being moved. So if you guys are a contractor, if you guys are a trucker, your cargo insurance is a form of inland marine insurance. Really anything on the move is going to be a form of inland marine insurance. And business personal property is going to be personal property that's staying on the premise or within 1,000 feet of the premise. So if you guys have a ton of personal property and you're moving around, would not recommend putting it on business personal property because Once it's within a thou— or once it's outside of 1,000 feet of the premise, it will probably no longer be covered. Inland marine is going to be the, uh, correct way to do that.