Tools & equipment (inland marine) for carpenters
Published 2026-06-11 · by Brokly
If the table saws, routers, and nail guns that live in your van and on job sites are stolen, lost, or damaged.
What it covers for carpentry contractors
Inland marine insures movable business property — contractor equipment and property in transit — wherever the work is. For a finish carpenter that means the table saws, miter saws, routers, and nail guns riding in the van and set up on customer job sites rather than at a fixed premises. The trade's capital is its tools, and they ride in the van between job sites — inland marine is the property line built to follow them.
Sources: Texas Department of Insurance — Commercial property insurance guide (inland marine) (retrieved 2026-06-11) · NAIC — Glossary of Insurance Terms (inland marine) (retrieved 2026-06-11)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for tools & equipment (inland marine), by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the tools & equipment (inland marine) benchmark for carpentry contractors — same URL, real numbers.
Until then, see what carpentry contractors need state by state: Arizona · California · Colorado · Florida · Georgia · Idaho · Illinois · Indiana · all states →
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