Coverage That Travels with Your Business.
Your tools, equipment, and materials don’t always stay in one place — and neither should your protection. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock businesses safeguard valuable property on the move with Inland Marine Insurance that keeps coverage intact wherever work takes you.
Despite the name, Inland Marine Insurance has nothing to do with boats. It’s designed to cover tools, equipment, and materials that move from one job site to another or aren’t permanently located at your business address.
It fills the gap left by traditional Commercial Property Insurance, which only protects items at a fixed location.
If you haul, store, or use valuable equipment off-site — you need inland marine coverage.
Castle Rock’s thriving construction, landscaping, and service industries rely on tools and machinery that travel daily.
From job sites in Denver to projects in Monument or Parker, your equipment faces real risks like theft, fire, or accidental damage.
Inland Marine Insurance ensures those assets stay protected, no matter where the job takes you.
Common Risks Covered:
Theft of tools or machinery from vehicles or job sites
Accidental damage during transport or loading/unloading
Fire, vandalism, or storm damage while in temporary storage
Damage to materials being installed or transported
Coverage can be customized to fit your business operations. Common policy types include:
1. Contractors Equipment Coverage
Protects heavy machinery, power tools, and mobile equipment such as excavators, backhoes, and forklifts.
2. Installation Floater
Covers materials (like HVAC units or electrical components) from the time they leave your facility until they’re installed at a job site.
3. Tool & Equipment Floater
Covers smaller hand tools and power tools used by employees in the field.
4. Bailee’s Coverage
Protects property belonging to customers that’s in your care — ideal for repair shops or service providers.
5. Transportation Coverage
Covers goods or equipment while being shipped or hauled between locations.
If your business regularly moves or uses equipment off-site, inland marine is essential.
RMIA commonly provides this coverage for:
Construction contractors and builders
Landscapers and irrigation companies
HVAC, plumbing, and electrical contractors
Cleaning and restoration services
Equipment rental businesses
Art galleries and trade show exhibitors
Even home-based contractors with small tool inventories can benefit.
Castle Rock’s mix of urban development and rural projects creates unique coverage needs. RMIA understands local job site risks — from hail and theft to transport damage on Front Range routes.
We work with top-rated carriers specializing in contractor and mobile property protection across Douglas County and beyond.
Independent & Local: We compare multiple carriers to find coverage that fits your business and budget.
Specialized Experience: Over 20 years advising Colorado contractors and service providers.
Tailored Protection: Coverage customized by trade, tools, and travel range.
Fast Claims Support: We help you recover quickly after theft or damage.
It covers movable property — like tools, machinery, and materials — while being transported or used off-site.
No. Standard property insurance only covers items at your business address. Inland marine extends protection to mobile assets.
It covers materials from the moment they’re shipped to the job site until they’re installed and accepted by the client.
Yes, most inland marine policies include theft coverage — even if tools are stolen from a locked vehicle or trailer.
Rates depend on equipment value, travel frequency, and storage security. Many Castle Rock contractors pay $400–$1,500 per year for strong coverage.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your tools and equipment are your livelihood — make sure they’re covered everywhere you go.
Let RMIA help you secure Inland Marine Insurance tailored to your Castle Rock business.
