What does inland marine coverage primarily protect against?

Inland marine coverage primarily protects against losses to moving and movable property. This type of insurance is designed to cover goods, equipment, and property that are in transit or that are considered movable. It originated to cover goods transported over water but has evolved to include a variety of items that move between different locations or are not fixed to one location.

This coverage typically applies to items like construction equipment, fine art, personal property, and goods in transit. By providing this protection, inland marine coverage ensures that businesses and individuals are safeguarded against potential losses that can occur during transportation or while goods are stored away from the primary site of ownership.

The other options do not accurately reflect the primary purpose of inland marine insurance. Fixed property losses pertain more to general property insurance, legal liabilities are covered under liability insurance, and pollution damages would fall under environmental insurance coverage rather than inland marine.