This document discusses risks associated with transporting materials and equipment to construction sites and integrating them into projects. It notes that builders risk insurance may not always cover these risks during transit or installation. It recommends securing dedicated inland marine policies called "installation floaters" to ensure coverage from shipment to final acceptance. These floaters avoid issues from lack of coverage, excluded causes of loss, or uncertainty over which policy applies. While not required for every project, installation floaters should be considered for high-value installations to fully protect against losses.