On a recent trip to Baltimore, Maryland, our family had the chance to visit a well-known bakery. Even if the door was closed, that somehow the kids got the attention of the receptionist and we were welcomed inside where all the magic happens. There were several cakes on the screen so that we admire and staff were busy decorating cakes pretty amazing and eager to share their art. We spent several minutes taking pictures and talk to the staff before buying candy to take with us. The cake was simply divine!
As we made our way home, I pondered the types of bakery insurance or other commercial business owners may need to consider. One guy in particular came to mind, like the bakers often travel for long distances to offer their amazing creations or even decorate their products on site. So many things could go wrong on the drive there! For example, all supplies would go flying if someone forgot to close the back door before leaving. Or cake may tip during a clash. How the baker is protected against unforeseen events like this?
The answer is the inner marine insurance. This type of insurance can provide coverage for your commercial property all on site or in transit. It is an extension of marine insurance of the ocean that covers goods in transit on the water; Inland Marine is a separate type of insurance cover for goods in transit on land.
There are many businesses that operate on multiple sites or need to move equipment between locations. Examples of commercial property that is often on the move and may be protected by an inner Maritime Policy:
- Quick Property for clients, an exhibition, or display
- Salesperson samples
- contractor equipment
- camera equipment
- Musical equipment
- Pet grooming equipment
- hardware
This type of coverage usually protects equipment things like fender bender above, as well as weather events such as lightning or wind storms and even theft or fire. So before loading your gear and take off, talk to your independent agent to make sure your business coverage is customized to meet your unique needs. Have a nice trip!
The covers here are described in the most general terms, and subject to the conditions and actual policy exclusions. For the wording of the cover, conditions and exclusions, please contact your policy or agent.
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