What does inland marine insurance cover?

Inland marine insurance specifically covers property that is in transit over land or stored away from the primary location of the insured. This includes goods, merchandise, and various types of equipment that are transported between locations, as well as items that are stored at locations other than the insured's premises. The purpose of this type of insurance is to provide coverage for the risks associated with the movement of goods and materials, ensuring that they are protected against potential loss or damage while in transit or off-site.

The other options do not capture the full scope of inland marine insurance. For instance, covering only property stored on-site does not account for the risks of items that are being transported. Fire damage to buildings pertains more to property insurance rather than inland marine, which is focused on transportable goods. Lastly, while personal property of employees might be included in specific contexts, the primary focus of inland marine insurance is more broadly on transported and off-site property rather than personal items owned by employees.