08/27/2026
For many electricians, plumbers, contractors, mobile service businesses, and small fleet owners in Florida, the answer may be no.
I recently reviewed coverage for a business that transports medical equipment and operates mobile skin clinics. They had commercial auto insurance—but no inland marine coverage protecting the equipment they transported. Learn more:
That’s an easy coverage gap to miss.
Call us at 407-906-0206
https://f.mtr.cool/ys7co9cbaq
Cargo insurance is a type of inland marine insurance designed to protect certain property or goods while they’re being transported. Depending on your business, commercial auto insurance alone may not protect the tools, equipment, materials, or customer property traveling in your vehicles.
If you operate a small commercial fleet, work as an electrician, plumber, contractor, HVAC company, mobile service business, or regularly transport valuable equipment, your insurance program should be reviewed for this exposure.
Evolve Insurance Group helps Florida businesses, including those in Altamonte Springs, Maitland, Longwood, Orlando, and throughout Central Florida, identify gaps in their commercial insurance coverage.
Before assuming your equipment is covered because the vehicle is insured, ask one important question:
“What happens if the equipment inside my vehicle is stolen, damaged, or destroyed?”
