Coverage
Tools & Equipment Insurance for Texas Contractors
Your tools and equipment are how you make a living. If they get stolen from your truck, damaged on a job site, or destroyed in a fire, replacing them out of pocket can set you back thousands — or worse. Tools and equipment insurance (also called inland marine coverage) protects your gear wherever it goes. We see tool theft claims constantly, especially from trucks parked overnight. This coverage pays for itself fast.
What Tools & Equipment Covers
Tools stolen from your truck or job site
Equipment damaged during transport
Rented or leased equipment you're responsible for
Specialized machinery and power tools
Scaffolding, ladders, and job-site equipment
Mobile equipment not covered by auto policies
Who Needs Tools & Equipment?
Any contractor with tools worth more than they can afford to replace out of pocket
Contractors who transport tools between job sites daily
Businesses that rent expensive equipment for specific jobs
Tradespeople with specialized, high-value tools
Need Tools & Equipment Coverage?
We shop multiple carriers to find the best rate for your business.
Common Claims Examples
Tools stolen from the bed of a work truck overnight — $15,000 in equipment gone
A generator falls off a trailer on the highway and is destroyed
Rented equipment is damaged by a subcontractor on your job — you're responsible
Power tools are destroyed when a job-site trailer catches fire
Frequently Asked Questions
Get a Tools & Equipment Quote
Tell us about your business and we'll shop carriers for the best rate.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.