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Artisan contractors are essential to the building industry and to making indoor spaces functional and beautiful. According to the Insurance Information Institute: "artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer's premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators." So what type of insurance does an artisan contractor need to protect their business and equipment? Here's what you need to know.
Although the idea for Inland Marine Insurance was inspired by Ocean Marine Insurance, which protects cargo and equipment while in transit on the ocean, it doesn't actually have anything to do with the sea. Inland Marine Insurance is a specialized coverage that can cover equipment, tools, project materials and other items while they are being transported on land, or while they are off your property. This type of insurance can benefit a wide variety of business and provide protection in some common situations that wouldn't normally be covered by insurance. So does your business need Inland Marine Insurance?
When it's time to store your boat for the winter, sit down with a member of the marina's staff and discuss what you can expect to have done. Most marinas are prepared to service your boat efficiently, but you are responsible for seeing that all work is done. Ask that they call you when the winterizing is complete.
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Ocean marine insurance is sometimes referred to as "wet" Marine Insurance. Since Ocean marine insurance is designed for property transported by water it would seem to make sense that Inland Marine Insurance would apply to goods and property transported by land and could be called "dry" Marine Insurance. That is accurate enough but not nearly a complete description of Inland Marine Insurance.