Tools & equipment (inland marine) for painters
Published 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.
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)
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 painting contractors — same URL, real numbers.
Until then, see what painting contractors need state by state: Arizona · California · Colorado · Connecticut · Florida · Georgia · Idaho · Illinois · all states →
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