Contractor's tools and equipment insurance
Coverage for the tools that go where the work is
Your tools move between jobs, vehicles and storage. For a contractors equipment insurance review, tell us what you own or rent, where you keep it and what your current policy says.
What it usually covers
- Tools you own. Coverage for insured portable tools and equipment used to complete your work.
- Larger equipment. Policies can address owned machinery as well as small tools.
- Equipment on the move. Protection for covered physical loss during transport between locations.
- Equipment at jobsites or in storage. Ask how coverage follows insured items while they are being used or stored away from your main premises.
- Rented, leased or borrowed equipment. Ask to include these items explicitly rather than assuming they have the same coverage as equipment you own.
Who it is for
For contractors and tradespeople who rely on portable tools or mobile equipment. Start with what you use, who owns it and where you take it. Ask how the policy treats items you own compared with those you rent or borrow.
Use an inventory to start the conversation. Separate your own tools from rented or borrowed equipment, then note where items are stored overnight and how they travel.
Looking at the wider business instead? See Builders and contractors and General liability. Liability coverage addresses different losses from damage to your own tools.
As part of every quote, we review the current policy and coverage documents you provide.
What to have ready
Bring what you have; an initial list is a useful place to start:
- Your current equipment and other business policies.
- A tool and equipment inventory, including identifying details and values.
- A separate list of rented, leased or borrowed items and the agreements.
- Typical jobsites and the area in which you work.
- How equipment travels and where it is stored between jobs.
- Available claims history and details of items you plan to acquire.
Common questions
Can this cover stolen tools? (show answer)
Are rented tools automatically covered? (show answer)
Does general liability replace equipment coverage? (show answer)
Does this replace insurance on my work truck? (show answer)
Start with the tools your next job depends on
Share an equipment list and your current policy so we can review what you own and what you use.
We review your request and contact you.
Sources (1)
- Commercial Insurance Guide - California Department of Insurance. Accessed Nov 1, 2026.