Inland Marine Solutions

Our coverage is designed to meet the real-world exposures that builders face when they take on a new project.

Nationwide builder’s risk insurance is designed to protect construction projects through every phase, from groundbreaking to opening day. Our standard coverage provides extensive protection for unexpected damage to property under construction, materials used in construction and delays in completion.

Count on Nationwide builder’s risk insurance to provide the broad all-risk protection to help keep construction projects moving forward.

Ideal risks

• Agriculture
• Commercial and industrial construction
• Entertainment
• Finance, insurance, real estate
• Habitational
• Manufacturing
• Municipality, schools and healthcare construction
• Places of worship
• Retail trade
• Services
• Sewer and water projects
• Sports complexes
• Street and road
• Technology
• Transportation and public utilities
• Warehousing
• Wholesale trade

Our builder’s risk coverage includes protection for:

• Buildings under construction and renovation
• Temporary structures used at the jobsite, such as trailers, fencing, scaffolding and forms
• Property awaiting installation, such as building materials and appliances, in temporary storage
• Debris removal costs, with additional coverage if cleanup costs exceed the policy limit
• Pollutant cleanup and removal costs when a covered loss occurs

Coverage highlights:

• Availability of equipment breakdown coverage and testing coverage
• Availability of soft costs coverage and loss of income coverage
• Master Builders, risk and reporting policies available

Nationwide contractor’s equipment insurance provides the broad protection that contractors need for machinery and equipment, whether owned, rented, leased or borrowed.

The Contractor’s Equipment Broadening Endorsement from Nationwide is automatically included and boosts the protection of a standard contractor’s equipment policy. You can also choose an annual adjustment option, which eliminates your need to report every change in the schedule during the policy term.

Coverage limits may be tailored to the unique needs of your business.

Ideal risks

• General contractors
• Earthmoving
• Lifting and access equipment
• Street and road
• Material handling
• Paving
• Small equipment and tools
• Industries:
  • Construction — all types
  • Civil contractors
  • Government — state and local
  • Landscaping

Our contractor’s equipment coverage:

• Offers broad protection for graders, cranes, bulldozers, front-end loaders and other larger pieces of equipment with no restrictions on boom length or weight of load
• Can cover the big expenses that can follow a loss of equipment, such as renting substitute equipment, removing debris and cleaning up pollutants
• Flexible coverage can be customized to meet specific needs

Coverage highlights:

• Schedule on file or annual reporting as options
• No weight of load exclusion
• Flood and earthquake included
• Leased/rented equipment
• Pollutant cleanup and removal
• Optional income coverage available
• Automatic replacement cost for all equipment
5 years or newer

Our installation floater insurance provides broad all-around property coverage. In addition to the coverage we provide for property in transit to the jobsite, awaiting installation at the jobsite and pending owner approval after installation, we also insure property that is being stored at a location they neither own nor operate and that is not described in their policy declarations.

Coverage highlights:

• Debris removal
• Limited fungus removal
• Equipment breakdown availability
• Reporting or nonreporting approach
• Flood and earthquake availability

Riggers liability

Riggers liability coverage is designed for contractors performing lifting, hoisting and moving operations involving the property of others. It provides protection for damage to property being lifted or handled during rigging activities, helping fill critical gaps that may not be addressed by standard liability policies.

Equipment sales and rental

Designed for businesses that sell, lease or rent equipment, this coverage protects inventory and rental fleets against physical loss or damage while on premises, in transit or at customer locations. It helps safeguard revenue-producing assets with flexible valuation options and can be tailored to include demonstration equipment, short-term rentals and leased property exposures.

Fine arts floaters and dealers

Fine arts coverage provides specialized protection for high-value, unique property such as artwork, collectibles and exhibitions. Designed for collectors, galleries and dealers, it offers broad protection for items on display, in transit or in storage, with coverage extensions that can address consignment, restoration and fluctuation in values.

Motor truck cargo

Motor truck cargo coverage protects goods and merchandise while in transit, whether carried by for-hire or private carriers. It responds to loss or damage from covered perils such as collision, theft or overturn, and can be customized to address diverse commodities, contractual requirements and evolving logistics exposures.

Warehouse legal liability

Warehouse legal liability coverage protects warehouse operators against their legal responsibility for loss or damage to customers’ goods stored at their facilities. It is designed to respond when the operator is found liable due to negligence, and can be tailored to reflect contractual obligations, storage conditions and the types of commodities handled.

Scheduled property floater

Our scheduled property floater provides flexible, all-risk protection for a wide range of specialized and mobile property that doesn’t fit neatly into standard coverage forms. From cameras and musical instruments to drones, mobile medical equipment, exhibition property and rolling stock, this coverage is designed to protect valuable items wherever they go — on location, in transit or in temporary storage. With the ability to schedule unique and hard-to-place assets, it offers tailored protection for the property that keeps your business moving. If you can imagine it, we can help find a way to insure it.