Tools & Equipment Insurance, explained.
Inland marine coverage for tools on site, in transit, and in storage.
Tools & Equipment Insurance
Tools & Equipment (a form of inland marine insurance) covers the mobile tools and gear your crews use every day — on the job site, in the truck, and in storage. It fills the gap most contractors discover only after a theft.
Standard commercial property covers things at your business location. Once tools leave the shop, they need inland marine. Tools get stolen off trucks and sites every day.
Is this for you?
Inside a Tools & Equipment policy.
When this coverage pays off.
Tools stolen from a truck
A van is broken into overnight. The policy replaces the lost tools so the crew can work tomorrow.
Equipment damaged on site
A piece of rental equipment is damaged. Coverage responds to the rental contract’s damage requirements.
Gear lost in a fire
A storage unit fire destroys staged equipment. The policy pays replacement cost where elected.
Plain-language answers.
We typically write replacement cost where available — it pays to buy new without depreciation.
Items above a threshold (often $1,000–$2,500) are typically scheduled; the rest are blanketed.
Yes — with the right endorsement, your liability under rental agreements is covered.
Ready for a Tools & Equipment quote?
Fill the short intake form and we’ll shop across multiple carriers, or call us and we’ll get you a quote on the phone.