HOA INLANDMARINE INSURANCE
PORTABLE EQUIPMENT, SIGNAGE, AND TOOLS THAT THE MASTER PROPERTY POLICY MISSES.
THE MASTER PROPERTY POLICY COVERS BUILDINGS — NOT THE TOOLS THAT MAINTAIN THEM.
Mowers, trimmers, pressure washers, maintenance carts, portable generators, community signage, holiday decorations, and event equipment all move around the property or leave it for repair. Master property policies are designed for fixed structures. Inland marine follows the equipment wherever it goes.
Mowers, trimmers, blowers, pressure washers, and hand tools used daily by grounds staff.
Community entrance signs, wayfinding markers, and decorative monuments vulnerable to vehicle strikes and vandalism.
Holiday decorations, event tents, furniture, and portable audio equipment used at community gatherings.
Maintenance carts, utility vehicles, and golf carts used for property operations.
TAP EACH ITEM TYPE TO SEE THE COVERAGE QUESTION.
Association-owned portable equipment is everywhere on the property. Tap each to understand the inland marine exposure.
THEFT AND TRANSIT VS. INTERNAL MECHANICAL FAILURE.
Inland marine covers what happens to equipment from the outside — theft, vandalism, accidental damage, weather, and transit damage. Equipment breakdown covers what happens from the inside — motors burning out, compressors seizing, electrical failures. A mower stolen from the shed is inland marine. A mower engine that seizes during operation is equipment breakdown. Many associations need both to fully protect their operational equipment inventory.
INLAND MARINE — ANSWERED.
WHAT DOES INLAND MARINE COVER FOR AN ASSOCIATION?
Portable equipment, tools, signage, decorations, and property in transit or stored away from main premises. Covers theft, vandalism, accidental damage, and transit losses.
WHY ISN'T THIS COVERED BY MASTER PROPERTY?
Master property covers fixed structures and permanent contents. Portable equipment that moves around the property or leaves it may fall outside coverage territory or face low sublimits.
WHAT EQUIPMENT IS TYPICALLY SCHEDULED?
Mowers, trimmers, blowers, pressure washers, maintenance carts, generators, pool equipment, irrigation controllers, signage, holiday decorations, event supplies, and snow removal equipment.
DOES INLAND MARINE COVER THEFT FROM THE MAINTENANCE SHED?
Yes. Coverage follows the equipment regardless of location — in storage, during use on property, or in transit to repair.
HOW IS INLAND MARINE DIFFERENT FROM EQUIPMENT BREAKDOWN?
Inland marine covers external perils — theft, vandalism, transit damage. Equipment breakdown covers internal failures — motor burnout, compressor seizure. Different risks to the same equipment.
DOES EACH PIECE NEED TO BE SCHEDULED?
High-value items should be individually scheduled. Lower-value items can be covered under a blanket limit. Approach depends on total inventory value and carrier requirements.
COVER THE EQUIPMENT THAT KEEPS YOUR COMMUNITY MAINTAINED.
Kelly Insurance Group schedules association equipment at accurate values so nothing is under-covered. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.