Equipment / Inland Marine Insurance
Color Glo franchisees carry tools, repair equipment, colorants, and supplies from job to job. Property coverage is location-based. Equipment / Inland Marine is what covers the mobile operating kit — wherever the technician goes.
Why Color Glo International Franchisees Need This
Built for Color Glo Franchise Operations
The Mobile Operating Kit
A Color Glo technician's productivity depends on their tools and products. Sprayers, repair kits, colorants, adhesives, cleaning agents, and specialty tools are the means of production. If they are stolen or damaged, operations stop. Equipment / Inland Marine coverage follows the tools wherever they go.
Theft from Service Vehicles
Tools and supplies stored overnight in a service vehicle are a common theft target. Standard commercial auto policies cover the vehicle itself — not the contents. Equipment / Inland Marine covers the tools and materials inside the van.
Damage in Transit or on the Jobsite
Restoration equipment can be damaged while being transported, loaded, unloaded, or used on-site. Inland marine coverage addresses this in-transit and jobsite exposure that standard property coverage typically does not reach.
High-Value Specialty Tools
Sprayers, heat applicators, leather repair tools, colorant systems, and specialty equipment represent a real capital investment. Proper inland marine scheduling ensures replacement at current values.
Common Exposure Scenarios
When Coverage Matters Most
Tools Stolen from a Service Van
A technician's repair kit, sprayers, and colorants are stolen from the service vehicle overnight. Equipment / Inland Marine covers the replacement of stolen tools and supplies.
Equipment Damaged in Transit
Restoration equipment shifts or is damaged while being transported between jobs. Inland marine coverage responds to the in-transit loss.
Sprayer Damaged on a Jobsite
A spray applicator is dropped and damaged while being used at a customer location. Equipment coverage addresses the repair or replacement of the tool.
Products Damaged in a Vehicle Accident
A collision results in damage to tools and restoration products inside the vehicle. Commercial auto covers the vehicle; Equipment / Inland Marine covers the contents.
What to Look For
Reviewing Your Policy
- Coverage that follows tools and equipment to any jobsite — not just fixed locations
- Coverage for theft from vehicles, including overnight theft scenarios
- Coverage for tools during loading, unloading, transport, and active use on the jobsite
- Proper valuation of specialty tools and equipment at replacement cost
- Clear distinction between equipment coverage and the vehicle coverage under commercial auto
- Coordination with Property coverage for inventory stored at fixed locations; aviation and hangar work requires separate carrier disclosure before inland marine coverage is assumed to apply
Review Your Coverage
The Southern Agency helps Color Glo franchise owners align policy limits, deductibles, and exclusions with the real-world risks of mobile restoration operations.
Request a Coverage ReviewRelated Coverages
This page provides a general overview of equipment / inland marine insurance and does not guarantee coverage. Coverage is subject to policy terms, conditions, and exclusions. Purchasing insurance through The Southern Agency does not automatically satisfy all franchise agreement requirements without individual review.
