Does the policy cover property off-site or in transit?

Standard policies may not; you might need inland marine insurance for property that moves between locations.

Commercial property insurance may cover property off-site or in transit if you include inland marine insurance or specific endorsements in your policy.

A logistics firm includes inland marine coverage to protect goods transported between warehouses.

Discuss deductible options with your insurer to find a balance between affordable premiums and manageable out-of-pocket costs.