Inland Marine Insurance

For independent agents, finding reliable coverage for clients with specialized risks can be challenging, especially when standard insurance markets decline. That’s where Program Underwriters steps in. Our Inland Marine Insurance provides the protection your clients need for their valuable property in transit or stored off-site—covering gaps that traditional policies may leave exposed.

Designed specifically for Florida’s high-risk landscape, our Inland Marine coverage safeguards commercial assets like equipment, tools, and goods from risks such as theft, damage, or natural disasters—whether on the move or at remote locations.

Why trust Program Underwriters as your Inland Marine partner?

  • Expertly crafted solutions: We specialize in helping agents place coverage where standard markets fail, offering policies that address complex or high-risk scenarios.

  • Broad coverage options: From contractors to retailers and beyond, our Inland Marine Insurance covers a range of commercial needs, including equipment breakdown, cargo transit, and off-site storage.

  • Agent-first approach: We value the expertise you bring to the table and work collaboratively to ensure you have the best tools and options for your clients. Our flexible, tailored policies ensure your clients get exactly the coverage they require.

  • Proven Florida market experience: As a family-owned business deeply rooted in Florida’s unique insurance environment, we provide not only coverage but also the local expertise you need to confidently serve your clients.

Coverages PUI Specializes in:

  • Builder’s Risk

  • Contractor’s Equipment

  • Difference in Conditions

  • Stock Throughput

  • Installation Floater

  • Miscellaneous Floater

  • Motor Truck Cargo

  • Oil & Gas

  • Solar Energy


Inland Marine
Builder's Risk

Builder's Risk

  • Frame limits up to $3 million (single family homes up to $1.5 million)
  • Masonry Non-Combustible and better limits up to $20 million
  • Optional Flood and Earthquake coverage up to $5 million for eligible locations
  • $1,000 minimum premium, $1,000 minimum deductible
Contractor's Equipment

Contractor's Equipment

  • Equipment limits up to $500,000 per item / $3 million per schedule
  • Replacement Cost for equipment 7 years of age or less
  • Target operations: construction, excavation, road paving, utility
  • $750 minimum premium, $500 minimum deductible
Motor Truck Cargo

Motor Truck Cargo

  • Limits up to $300,000 per power unit / $600,000 per occurrence
  • Fleets up to 10 power units
  • Target: dry van, flatbed, refrigerated freight
  • Optional Refrigeration Breakdown
  • $750 minimum premium, $1,000 minimum deductible
Property

Property

  • Schedules up to $20 million limits / 5 buildings
  • Frame buildings up to $2 million
  • Masonry Non-Combustible buildings up to $10 million
  • Target: auto repair, retail, contractors, gas stations
  • $2,500 minimum premium, $1,000 minimum deductible

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