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Comprehensive Inland Marine Insurance Coverage by Sargent Insurance Agency

Protecting Your Valuable Goods in Arkansas
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Many years in business

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6 Knowledgeable advisors

Multiple coverage options to choose from

Understanding Inland Marine Insurance

The term "inland marine" can be confusing, but it significantly differs from "marine insurance," which covers items transported over water. Inland marine insurance protects goods transported over land—whether by truck, rail, or temporarily stored by a third party. Collisions and cargo theft are the two most common causes of inland marine losses.

Key Insights into Inland Marine Insurance

Inland marine insurance is a vital business insurance type that covers products, materials, and equipment transported over land, such as by truck or train. It is designed to protect movable commercial property used for transportation or communication.

This coverage helps cover the expense of repairing or replacing portable commercial property damaged by insured perils, including:

  • Theft
  • Water damage
  • Fire
  • Wind
  • Hail

Additionally, inland marine insurance policies may offer extra coverage for specific scenarios, such as:

  • Mysterious Disappearance: Coverage for property lost without a known cause.
  • Accidental Damage: Protection against losses caused by dropping or mishandling items during transit or loading/unloading.

What Does Inland Marine Insurance Cover?

Inland marine insurance is a specialized property insurance type, which is optional for all businesses. However, businesses in Arkansas that meet the following criteria should consider this coverage:

  • Regularly transport property by land
  • Occasionally ship valuable goods
  • Own items that move between business sites
  • Store property at third-party facilities
  • Keep property in commercial vehicles (such as food trucks or repair vehicles)

Given the potential exposures like damaged equipment, contamination, and stolen goods, an inland marine policy can be tailored to address your business's risks. We can assist you in determining if inland marine insurance is a prudent choice for your business needs in Arkansas. Contact Sargent Insurance Agency today!

Who Needs Inland Marine Insurance?

Inland marine insurance is ideal for businesses with the following characteristics:

  • Frequently transport property over land
  • Occasionally ship high-value items
  • Own assets that move between different business locations
  • Store property in third-party owned locations
  • Use commercial vehicles regularly (e.g., food trucks, repair vehicles)

From damaged equipment to contamination and theft, these are just some daily risks your business might face. With an inland marine policy tailored to your needs, Sargent Insurance Agency in Arkansas can help you manage these risks effectively. Contact us today to learn more about how we can protect your business.

Already have Inland Marine Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
Monday ---------  9:00am - 5.00pm
Tuesday ---------  9:00am - 5.00pm
Wednesday ----  9:00am - 5.00pm
Thursday -------- 9:00am - 5.00pm
Friday ------------- 9:00am - 5.00pm
Saturday --------  closed
Sunday ----------- closed
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