Cannabis and hemp product liability: submission checklist
A retail-agent guide to preparing cannabis and hemp product-liability submissions for cultivation, processing, distribution, dispensary and delivery operations.
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Wholesale appetite: inland marine
Inland marine & specialty property we place.
Property that moves, projects under construction, customer property in custody and freight in transit — the cover that standard property forms don't reach. Already appointed? Send us the account. New here? Apply for appointment below.
Inland marine is the category of cover for property that moves, sits off-premises, or belongs to others in the insured's custody. It includes contractor's equipment, builder's risk, motor truck cargo, bailee's coverage and fine-art transit — written on dedicated forms with specialty carriers.
The triggers
we hear most.
The account has tools, equipment or materials that travel between sites.
Standard commercial property covers assets at a fixed location. Anything that moves — contractor's equipment, tools, mobile equipment, materials in transit — needs inland marine, which covers property in motion or off-premises.
It's a contractor with project materials and stored stock.
Builder's risk (a form of inland marine) covers projects under construction, including the structure, materials on site and in transit. It's the cover that fills the gap between project start and when the owner's property policy picks up.
It holds property belonging to others — bailees, repairers, processors.
If customer property sits in the insured's custody — jewellery being repaired, fine art being framed, computers being serviced — bailee's cover (an inland marine form) is what responds when something is lost or damaged.
It ships goods or holds cargo for others.
Motor truck cargo (for carriers) and shipper's interest (for owners) both sit in inland marine. Standard property and auto don't reach freight in transit — the cargo cover does.
Inside the
policy.
Contractor's equipment
Tools, mobile equipment, generators, scaffolding and other property that travels with the crew — on site, in transit and stored off-premises.
Builder's risk
Cover for projects under construction — the structure being built, materials on site and materials in transit — until the owner's property cover takes over.
Bailee's coverage
Liability for property belonging to others in the insured's custody — repairers, processors, dry cleaners, fine-art framers and similar bailees.
Cargo and shipper's interest
Motor truck cargo for carriers transporting freight, plus shipper's interest for owners shipping their own goods.
Where buyers
get caught out.
Property at a fixed location
Building, contents and stock at a permanent location sit with commercial property, not inland marine.
Wear and tear / mechanical breakdown
Inland marine covers sudden, accidental loss. Wear, gradual deterioration and mechanical breakdown are excluded — though some forms add equipment-breakdown sub-coverage.
Property in storage long-term
Long-term off-premises storage may need a different form — warehouse legal liability or a stock-throughput policy — rather than transit-focused inland marine.
Industries we
place this for.
Construction & contractors
Contractor's equipment and builder's risk — for tools, mobile equipment and projects under construction.
See the pageTrucking & logistics
Motor truck cargo for freight in the carrier's custody — with cargo forms matched to how it loads and stops.
See the pageManufacturing
Goods in transit, machinery and equipment moving between facilities — sized to actual movement.
See the pageArchitects & engineers
Builder's risk and project-data forms — for the property aspects of design-build and integrated delivery.
See the pageReal estate & property
Builder's risk for renovations and improvements — and bailee cover for property held during the project.
See the page
How we place
this line.
Appetite matched in-house
Every submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
Every hour risks the client
Suitable accounts move to an underwriter after a licensed broker reviews the match and final file. Carrier response and quote timing depend on the account and market.
Just send the file
No upfront appointment required. Send the file you have and we’ll let you know what it needs next.
More to help place
this account.
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Target classes, coverage questions and submission details for manufacturers, importers, distributors and online sellers with product liability exposure.
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Product recall insurance for manufacturers and retailers: coverage and submission checklist
How retail agents should prepare a product-recall submission, including recall and GL losses, quality controls, recall plans, declarations and product records.
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