Inland marine exposures are from accounts receivable, audio/visual equipment, computers, contractors’ equipment, fine arts, and valuable papers and records. All records should be duplicated and retained at an off-site storage facility. Contractors’ equipment may be used off-premises to build, maintain, or service municipal streets and roads. If any owned equipment is used or taken off-premises, the exposure to such loss increases. Fine arts such as statuary and paintings, artifacts, historical documents, rare or historical books, or manuscripts all pose significant risk management concerns as they may be one-of-a-kind and irreplaceable. If insured, valuation should be done by a qualified appraiser. Valuable papers and records are often delicate and must be protected from fire, water damage, vandalism, theft, or other losses.