Commercial Inland Marine policies are designed specially to protect business property off premises and in transit. Let’s say you own a towing shop. Property insurance covers the tools you have at the tow shop, but an inland marine policy covers those tools when they are in the tow truck or on location. Many Business Owner policies (BOPs) include certain amounts of coverage for these items inherit to the policy, but it can sometimes be limited. It’s important to verify with your Agent exactly what your policy provides and make sure it matches your needs.