Inland Marine Insurance

We draw on our long-standing tradition of insuring inland marine exposures to help protect your business from the most likely risks.

As one of the largest marine insurance providers—and the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., with A+ ratings, a 350-year heritage, and a reach that spans 40+ countries and regions—MSIG USA brings the experience, stability, and underwriting excellence to help protect against a wide range of inland marine risks.

Whether you’re a US-domiciled business or a US-based subsidiary of a foreign-domiciled company, MSIG USA can provide an inland marine solution that addresses your unique exposures, customized to the way you operate.

Your frequently asked Inland Marine insurance questions answered

Q: What classes of commercial inland marine business does MSIG USA write?

MSIG USA writes most classes of commercial inland marine, with emphasis on the construction
and transportation industries. Our target appetite includes coverage for:

  • Builders risk/installation floaters
  • Contractors equipment
  • Railroad rolling stock
  • Motor truck cargo legal liability
  • Warehouse Legal Liability

Other classes we write include communication towers and equipment, mobile medical, equipment data processing, and other mobile property floaters.

Q: Does MSIG USA write motor truck cargo insurance?

Yes, MSIG USA writes motor truck cargo legal liability coverage. This can be a challenging class of business due to the ease of entry and financial volatility of the trucking business. For this reason, MSIG USA partners with agents and brokers who specialize in these classes and know the marketplace and potential pitfalls. We focus on building a strong underwriting partnership centered on profitability.

Q: What is MSIG USA’s appetite for railroad business?

MSIG USA is a market leader in the rail property space. We participate on an excess basis on Class I and II railroads and can consider primary on Class III and local commuter/light rail systems. MSIG USA frequently provides coverage for rail cars owned or leased by many manufacturers, distributors, or other supply chain managers. Brokers interested in sending a rail account to us for consideration should first reach out to one of our specialists to discuss our appetite and underwriting requirements.

Q: What is MSIG USA’s appetite for builders risk business?

MSIG USA has a strong desire to write non-combustible commercial construction business with proven contractors and developers. Our focus classes include manufacturing, retail, real estate, civil, healthcare, higher education, and renewable energy projects. We will consider both project and master builders risk programs.

Q: Does MSIG USA write inland marine on an admitted or surplus lines basis?

MSIG USA can write inland marine risks on an admitted or surplus lines basis, depending on the specific coverages required and the regulatory jurisdiction of the insured exposures.