Equipment & Inventory for Concessionaires
Your concession equipment represents a major investment. Inland Marine insurance protects that equipment wherever it travels — at events, in transit, and in storage — covering theft, vandalism, accidental damage, and breakdown.
What Does Equipment & Inventory Cover?
The term 'Inland Marine' sounds unrelated to food vendor insurance, but it refers to a category of insurance that covers property in transit and property used in mobile or temporary locations. For concessionaires, this is the right category for covering equipment that doesn't stay in one fixed location — which is most of what you own.
Commercial fryers, grills, flat-tops, and other cooking equipment represent thousands of dollars of investment. Refrigeration units, freezers, and cold-holding equipment are essential and expensive to replace. Generators, which power your entire operation at events that don't have electrical hookups, can cost $5,000-$20,000 or more. Inland marine insurance covers all of these items against theft, vandalism, fire, and accidental damage.
Equipment breakdown coverage is a critical add-on for vendors who depend on their equipment functioning during events. Standard property insurance covers physical damage — something hitting your fryer, for example — but not mechanical or electrical failure. Equipment breakdown coverage responds when your generator fails mid-event, your refrigeration malfunctions and causes inventory spoilage, or your commercial fryer breaks down due to electrical failure.
Display fixtures, signage, canopy systems, and point-of-sale equipment are also coverable under inland marine. These items may not seem like big-ticket assets individually, but replacing a canopy system, banner displays, and equipment mounting hardware after a wind event or theft can add up quickly. Scheduling these items on your inland marine policy at their replacement cost value ensures full reimbursement if they're damaged or stolen.
Inventory coverage is available under inland marine for vendors who carry food inventory and supplies. Spoilage coverage specifically addresses the loss of refrigerated or temperature-sensitive inventory due to equipment failure. If your refrigeration fails overnight and you lose $3,000 in perishable inventory before a weekend of events, spoilage coverage reimburses that loss.
Who Needs Equipment & Inventory?
Any concessionaire with commercial cooking equipment, generators, refrigeration units, concession trailers, display systems, or inventory needs inland marine insurance. If you transport equipment to events or store equipment off-site, a standard commercial property policy won't cover those items — inland marine is the right solution for mobile vendor operations.
Frequently Asked Questions
What is inland marine insurance and why do I need it?
Inland marine insurance covers property that moves or is located at temporary locations — making it ideal for mobile vendors. It protects your equipment, inventory, and supplies wherever they travel, unlike standard commercial property insurance which only covers a fixed location.
Is my generator covered under inland marine?
Yes — generators and power equipment are among the most commonly covered items for event vendors. Power equipment is expensive, frequently transported, and subject to theft, vandalism, and mechanical breakdown.
What happens if my equipment is stolen from an event?
If your equipment is stolen from an event, your inland marine policy covers the theft up to the scheduled value of the item, minus your deductible. Make sure your equipment is scheduled on the policy with accurate replacement values.
Does equipment coverage include breakdown?
Many inland marine policies include equipment breakdown coverage, which covers mechanical and electrical failure in addition to physical damage from accidents. This is particularly valuable for refrigeration units, fryers, and generators.
Can I cover inventory in transit?
Yes — inland marine coverage can be extended to cover your food inventory and supplies while in transit to events. This is important for vendors who transport temperature-sensitive products or valuable specialty ingredients.
Coverage Features
- Food service equipment coverage
- Generators and power equipment
- Display fixtures and signage
- Inventory in transit
- Equipment breakdown coverage
- Theft and vandalism protection
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