Inland Marine Insurance for Collectors
Inland marine (a collectibles 'floater') is the coverage form that protects movable, high-value property wherever it goes — the engine behind agreed-value collection coverage that follows your pieces off-premises.
What Inland Marine Means for Collectors
Despite the name, inland marine has nothing to do with boats. It's the insurance form built to cover valuable, movable property — the category that includes fine art, jewelry, and collectibles. For petroliana, an inland marine "floater" is the policy form that delivers broad, all-risk, agreed-value protection that follows your collection wherever it is, instead of being tied to your house.
Why It Fits Petroliana
- All-risk / open perils. Coverage for accidental loss and damage rather than a short list of named perils — important for fragile, condition-sensitive items.
- Off-premises and in-transit. Your pieces are covered at shows, at a friend's shop, in a storage unit, and on the road — not just inside your home.
- Agreed value. Items are scheduled at agreed amounts, the right approach for property with no standard book value.
- Broad territory. Coverage typically applies across the country, and often worldwide.
Where Standard Property Stops
A homeowners or business property policy is location-bound and peril-limited. Move a sign to a show or a pump to storage and coverage may evaporate; drop a globe and breakage may be excluded. Inland marine was created precisely for property that moves and that's hard to value — which is exactly what a petroliana collection is.
The Form Behind Your Coverage
When we place collection, pump, sign, and globe coverage, an inland marine floater is usually the form doing the work. We make sure the floater's limits, territory, breakage terms, and transit provisions actually match how you live with and move your collection.
What's Covered
Frequently Asked Questions
It's the policy form most collectibles coverage is written on. When we insure your petroliana collection, it's typically an inland marine floater providing the broad, all-risk, agreed-value, goes-everywhere protection. The terms matter — we make sure they fit your collection.
Yes — that's a core feature. An inland marine floater follows the property to shows, storage, a dealer's shop, and in transit, with broad territory rather than being locked to your home address.