Inland marine exposure is from accounts receivable, construction equipment, especially the hot mix plants, construction materials in transit, installation floater, and valuable papers and records. Construction equipment is heavy and difficult to transport. The training of drivers and haulers, especially with respect to the loading, tie-down, and unloading, is important to avoid damage to bulky equipment due to overturn or collision.
At the job site, tools and equipment may be damaged due to dropping and falls from heights, or being struck by other vehicles. Materials and equipment left at job sites may be stolen or vandalized unless proper controls are in place.
The accounts receivable exposure could be significant if payments are made via installments throughout the course of the project. Valuable papers and records usually consist of custom project plans. Copies should be kept at an offsite location for easier restoration.