Do I need inland marine insurance if I have a BOP?

A BOP may not cover property off-premises or in transit, so inland marine insurance provides additional protection for those exposures.

If you have a Business Owner’s Policy (BOP), you may still need inland marine insurance for items in transit or stored offsite, as BOPs typically only cover property at your primary business location.

A florist adds inland marine insurance to their BOP to protect flower arrangements during deliveries.

Consider bailee’s customer coverage if your business temporarily holds or services clients’ property to safeguard against potential liabilities.