Painting business coverage guide
Tools & equipment (inland marine) for painters
Updated 2026-06-11 · by Brokly
If the sprayers, ladders, and prep gear that ride in your van and sit on job sites are stolen, lost, or damaged.
Coverage
What it covers for painting contractors
Inland marine insures movable business property — contractor equipment and property in transit — wherever the work is. For a painter that means the spray rigs, ladders, and power tools moving between jobs and standing on open job sites rather than at a fixed premises. Painting gear earns its keep away from any fixed premises — inland marine is the property line built to cover equipment that travels.
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)
By state
Tools & equipment (inland marine) by state
What painting contractors need varies by state. See the full guide for painting contractors in your state: Arizona · California · Colorado · Connecticut · Florida · Georgia · Idaho · Illinois · all states →