Since there are several Inland Marine Coverage Forms, this document will briefly explain the many kinds of inland marine policies that cover many kinds of loss exposure:

Contractors Equipment Floater

This property covered on the contractors equipment floater might range from simple hand tools to very large cranes.  Virtually any type of mobile equipment or tool can be insured.  The coverage provided is for direct physical loss to the equipment. Rental reimbursement coverage can be added by endorsement to cover the cost of renting substitute equipment if covered property is out of service by a covered cause of loss

Builders Risk/Installation

The inland marine builders risk portion of the policy form covers structures being built, temporary structures at the building site, and building materials that have not yet become part of the building.  The building materials are covered while on the insured location, in transit, or in storage at another location.  The installation portion of the policy usually insures a contractor's interest in building supplies or in fixtures that the contractor has been hired to install.

Electronic Data Processing Equipment Form

The inland marine electronic data processing policy is used to insure damage to data processing hardware, software, and media.  The policy also covers the extra expense to continue data processing operations following a covered loss that resulted in damage to the system.

Bailee Policy

Bailee policies are written to insure dry cleaners, repair shops, public warehouses, and several other types of businesses with large amounts of the customer's goods in the insured's possession.  There are two major types of bailee policies.  The bailee Liability policy covers damage to customer's goods only if the insured is legally liable for the damage.  The Bailee's Customers Policy covers damage to customer's goods without regard to the bailee's liability.

Sign Coverage Form

The sign coverage form is used to insure neon fluorescent, automatic or mechanical electric signs and lamps.  All covered signs must be written on a schedule with a limit of insurance shown for each item on the schedule.

Equipment Dealers Coverage Form

The primary purpose of the equipment dealers coverage form is to insure the stock in trade of dealers in agriculture and construction equipment.  Coverage is provided for customers equipment in the care, custody, or control of the named insured.