INLAND MARINE
INSURANCE
STANDARD PROPERTY STAYS AT THE FACILITY. YOUR EQUIPMENT DOESN'T.
A standard property policy covers equipment at the scheduled location. But when a brewery takes a tap system to a beer festival, a winery transports glassware to a tasting event, or a mobile canner drives a production line to a client, the equipment leaves the coverage behind. Inland marine coverage follows the property wherever it goes.
Tap systems, tents, glassware, and serving equipment taken to beer festivals and events.
Mobile canning lines, bottling equipment, and specialty tools transported between facilities.
Finished product, promotional materials, and equipment transported by owned or hired vehicles.
Tools and specialty equipment used at client sites, event venues, or off-site locations.
TAP EACH SCENARIO TO SEE WHERE INLAND MARINE APPLIES.
Standard property has location limits. Inland marine fills the gaps. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Covers brewery and winery equipment moving by truck, van, or common carrier between locations.
Tap systems, tents, glassware, and serving equipment at festivals, events, and off-site tastings.
Tools, equipment, and property used at locations not listed on the standard property policy.
Comprehensive inland marine for operations like mobile canning that involve equipment moving between multiple client locations.
TELL US ABOUT YOUR OPERATION.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your review.
EVERY KIND OF ALCOHOL OPERATION.
STRAIGHT ANSWERS.
What is inland marine insurance for a brewery or winery?
Inland marine covers property that moves — equipment in transit, festival and event gear, mobile equipment, and off-premises tools that a standard fixed-location property policy does not follow beyond the facility.
Why doesn't standard property cover equipment at a festival?
Standard property policies cover equipment at the scheduled location. When equipment leaves that location for a festival, event, or transit, it is no longer on the scheduled premises and may not be covered without an inland marine endorsement or policy.
Is a tap system at a beer festival covered?
A tap system transported to and used at a beer festival is off-premises, in-transit property that inland marine is designed to cover. Standard property typically ends at the facility gate.
Does a mobile canning operation need inland marine?
Yes. A mobile canning operation that drives a production line to client breweries needs inland marine coverage for the equipment in transit and on-site at locations not listed on a standard property policy.
Is product in transit covered by inland marine?
Finished product being transported for distribution may be addressed through inland marine or a separate transit or stock throughput coverage. How product in transit is covered depends on the mode of transportation and the policy structure.
How do I get an inland marine quote?
Completing the form on this page gathers your equipment list, transit frequency, event schedule, and off-premises exposure so the account can be reviewed and matched to the right specialty markets.
COVERAGE THAT FOLLOWS YOUR EQUIPMENT WHEREVER IT GOES.
Kelly Insurance Group places specialty inland marine coverage for breweries, wineries, and mobile operations.
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.