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Inland & Ocean Marine Insurance

Your commercial property policy protects things at your address. Inland and ocean marine insurance from Eastern Shore Insurance Agency protects the tools, equipment, and goods that make their living on the move.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Your property does not stay put

Marine coverage protects your property wherever the work takes it.

An excavator disappears from a job site over the weekend.

Contractors' equipment coverage pays to replace it.

A shipment of finished goods is damaged on the way to your customer.

Transit coverage makes you whole.

Product moves by water across the Great Lakes.

Ocean cargo coverage protects it dock to dock.

What Inland & Ocean Marine Insurance Covers

Marine coverage is the insurance industry’s oldest product, and today it covers property in motion or away from your premises:

Contractors' equipment

Excavators, skid steers, generators, and tools, on site, in transit, or in the yard.

Goods in transit

Your products and materials while they travel by truck.

Installation floaters

Materials from the moment you buy them until they are installed and accepted.

Bailee's coverage

Customers' property in your care, custody, or control.

Ocean cargo

Goods shipped over water, including Great Lakes routes.

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Who Needs Inland & Ocean Marine Coverage

If your property earns its living away from your address, this is the policy that follows it.

Contractors with equipment on job sites

Property policies barely cover tools off premises.

Manufacturers shipping product

Goods in transit need coverage of their own.

Businesses holding customer property

Bailee coverage protects what is in your care.

Companies moving goods over water

Great Lakes and ocean cargo routes.

We build equipment schedules for contractors and farms, and transit programs for manufacturers and transportation companies.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Who Needs Inland & Ocean Marine Coverage

If your property earns its living away from your address, this is the policy that follows it.

Contractors with equipment on job sites

Property policies barely cover tools off premises.

Manufacturers shipping product

Goods in transit need coverage of their own.

Businesses holding customer property

Bailee coverage protects what is in your care.

Companies moving goods over water

Great Lakes and ocean cargo routes.

We build equipment schedules for contractors and farms, and transit programs for manufacturers and transportation companies.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Which coverage do I need?

The three fit together like nesting boxes. We will make sure nothing falls between them.

Inland & Ocean Marine

Property that moves or works away from your address.

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Commercial Property

Property at your own location.

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Commercial Auto

The truck itself. Marine covers what the truck carries.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Inland & Ocean Marine FAQs

Quick answers to common questions from contractors and shippers.
History. Inland marine grew out of ocean shipping coverage and kept the name. Today it simply means property in transit or away from premises, no water required.
Usually only in small amounts, if at all. Off-premises limits on property policies are notoriously thin. If your crews carry real equipment, it needs its own coverage.
High-value units are usually scheduled individually; small tools ride on a blanket limit. Most contractors use both, and we will structure the split so a claim never surprises you.
Premium follows the values and how far they travel. Request a quote with your equipment list and we will price the schedule.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

Commercial Property

Protect your business assets with coverage designed for what you've built.

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Commercial Auto

Coverage for the vehicles that do the work.

Learn More

General Liability

Everyday protection for your business.

Learn More

Commercial Umbrella

Extra liability protection when you need it most.

Learn More

Contractors · Manufacturing · Transportation · Farms & Ranches

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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