Protect your building and contents with property and inland marine insurance

Your business is your livelihood, and by working with a local independent insurance agent, you can know you have the right insurance for your building and contents. Our standard commercial property policy1 includes coverages for: 

  • buildings, including additions under construction, permanently installed machinery and building glass 
  • outdoor signs and fences located on your premises
  • business personal property, including leased business personal property, property in your care for which you are legally liable, and sales samples 

For items that are not always in one place, such as computers, mobile equipment and products being transported, we offer inland marine insurance. 

1Property and inland marine coverages are not automatically included in a commercial package policy. They may be purchased separately or combined with other coverages to create a personalized policy.  

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Business Personal Property

Your business personal property doesn’t stay in one place, and neither does your coverage. Cincinnati provides coverage for your business personal property while in transit, at trade shows or temporarily at locations you don’t own or lease. 

After a covered loss, your policy may pay for the extra costs of:

  • removing debris of covered property from your premises
  • cleaning up pollutants from land and water on your premises
  • taking inventory and preparing claims statements
  • securing appraisals
  • recharging fire extinguishers
  • complying with ordinances or laws when rebuilding or repairing your building

Business Income

Property losses can slow down or even stop your operation until repairs are made – and that may mean lost income. Cincinnati offers several business income coverages that can reimburse your loss of income and necessary extra expenses to keep your business operating after a covered loss.

Inland Marine Coverage

Consider Cincinnati’s Inland Marine Insurance1 for:

  • contractors' equipment
  • builders' risk
  • transportation coverage
  • electronic data processing equipment
  • installation floaters

No matter the value or complexity, Cincinnati works hard to earn your business by providing:

  • broad coverage forms
  • competitive products and rates
  • quick turnaround time on quotes
  • tailor-made coverages for your unique exposures
  • experienced inland marine underwriting specialists
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