Equipment & Tools Insurance
Your tools and equipment are the backbone of your business—protecting them shouldn’t be complicated. We’re here to help you find coverage that keeps your gear safe and your work moving forward.
What is Equipment & Tools Insurance?
Equipment and Tools Insurance is a type of commercial insurance designed to protect a business’s essential tools, machinery, and equipment from loss, theft, or damage. This coverage is especially important for contractors, construction companies, handymen, landscapers, and other tradespeople who rely on expensive gear to perform their daily work. Typically, it covers both owned and rented equipment, whether it’s stored on a job site, in a company vehicle, or at a workshop. Coverage usually includes protection against risks like fire, vandalism, burglary, and accidental damage, and can often extend to replacement costs or repair expenses. Some policies also provide coverage for tools in transit or while temporarily offsite, which is crucial for mobile businesses. It’s worth noting that standard general liability or property insurance may not fully protect tools and equipment, especially when they’re used off-premises—making this specialized insurance a valuable safeguard. Having equipment and tools insurance ensures that unexpected incidents don’t interrupt operations or result in costly out-of-pocket replacements, allowing business owners to stay focused on their work with peace of mind.
Contact us to learn more about the right equipment & tools insurance for you.
