Inland Marine

Property in Transit

Inland marine insurance coverage for motor truck cargo, transportation risks and warehousemen.

Insurance Type
Admitted & Non-admitted
Distribution
Retail & Wholesale
Availability
Available in 50 U.S. states and D.C.
a box truck being filled with materials

Not an agent or broker? 

If you're a risk manager interested in property in transit inland marine insurance, ask your insurance agent or broker for a quote from RLI.

COVERAGE

Three segments of coverage

Motor truck cargo liability

  • Contingent coverage for brokerage operations
  • Coverage on trailers
  • Damaged property including moving equipment, expendable supplies, on-board or off-board electronics
  • Defense costs
  • Driver’s personal property
  • Loading and unloading
  • Mobile equipment used to load and unload vehicles
  • Refrigeration breakdown
  • Shipments en route or temporarily stored at terminal locations
  • Uncollectible freight charges, expediting costs, costs to remove debris or pollutants
Forklift loading items into a container

Transportation

Protects property on owned vehicles, motor, rail or air carriers for hire.

  • Automatic coverage for loading and unloading
  • Goods while temporarily in storage
  • Supplemental coverages apply equally to transportation risks (debris / pollutants removal; and goods moved to a temporary location on an emergency basis).
  • “Selling price” provisions available
  • Automatic coverage extensions for rejected or undeliverable shipments during the shipment’s return to the insured
Shipment storage

Warehouseman legal liability

Cover legal liability for warehouseman or bailee regarding physical loss or damage to property at specified locations, subject to designated limits and some form of warehouse receipt.

Coverage only when all commodities stored are non-hazardous and with stable customer base for a number of years. It is imperative that we understand the nature of commodities stored and the extent of your customer’s responsibility. Coverage applies:

  • Only at scheduled warehouse locations
  • For goods moved to a temporary location on an emergency basis
  • For defense costs
  • Coverage for earned warehouse charges is optional.
Person working in a warehouse

Appetite

Risks with a history of low loss frequency are preferred, whether this is due to the nature of the commodities hauled, high deductibles, or other underwriting characteristics. Self-storage facilities and any risk involving the shipment or storage of household goods are approached with extra caution.

  • Limited to $1 million per transporting conveyance (higher limits may be available)
  • For terminal and warehouse operations, limits up to $5 million readily provided, but only up to $1 million if the construction type is frame or joisted masonry.
  • Maximums for other policy sub-limits vary according to the exposures presented.
  • Each risk is individually underwritten on its own merits.
People shaking hands

Experience & expertise

Your customers trust their property only to transportation or storage companies with experience and expertise. The same applies for their insurance coverage. An RLI inland marine policy offers the best property in transit coverage, as well as outstanding standard inland marine protection and additional coverages.

2 women standing in a conference room looking at a tablet

Target Business Types

Motor Truck Cargo

The broadest coverage and best pricing to customers who:

  • Consistently operate on a profitable basis
  • Have an excellent traffic safety record; and
  • Complete most trips within one day or 500 miles radius of their home base.

If terminals are situated in catastrophe-prone areas, such as high hazard earthquake, flood zones A or V, or in South Atlantic or Gulf coastal areas, additional underwriting is required.

Warehouse Legal Liability

Qualified warehouses have good fire and theft protection, giving preference to those that are fenced, lighted, and operate 24/7. Logistics risks that offer a wide range of packing, processing, storage and transportation services are a particular focus.

Transportation

If the insured’s goods are being hauled by a third party carrier, we view almost all risks favorably, assuming that the third party carrier has adequate insurance. If we are covering the insured’s goods on the insured’s vehicles, our treatment is similar to motor truck cargo.

Highway along mountain cliffside
Get Appointed

Ready to partner with RLI?

To receive a competitive quote for your inland marine coverage, please contact your RLI Marine underwriter for program details or get appointed with RLI to offer our products to your customers.

Get Appointed

Or connect with one of our skilled Marine underwriters.

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