Use Case
Your Tools Are How You Make a Living. Protect Them.
If your tools get stolen from your truck overnight, damaged on a job site, or destroyed in a fire — replacing them out of pocket can set you back thousands. And your commercial auto policy doesn't cover what's inside the vehicle. Tools and equipment insurance (also called inland marine) covers your gear wherever it goes. For most contractors, it's one of the most affordable and valuable policies you can carry.
What's Covered?
Tools and equipment insurance covers theft from your truck, job site, or storage, damage during transport, accidental damage on the job, rented or leased equipment, and specialized machinery. Coverage follows your equipment wherever it goes — on the job, in transit, or in storage. If you can carry it or tow it, we can probably cover it.
What's NOT Covered by Your Other Policies?
This is where things go wrong for a lot of contractors. Your commercial auto policy covers the vehicle, not the tools inside. Your commercial property policy covers items at your business location, not on job sites. So if someone breaks into your truck at night and steals $10,000 in tools, you might have zero coverage without an inland marine policy.
Let's get this handled.
Tell us what you need — we'll start working on it today.
How Much Does It Cost?
Costs are typically 1-3% of the total value of your equipment per year. So $50,000 in tools and equipment might cost $500–$1,500/year to insure. Compare that to replacing everything out of pocket after a theft — it's a no-brainer for most contractors.
How to Get Started
We'll need a list of your major tools and equipment with approximate values. Don't worry about listing every screwdriver — focus on items worth $500 or more. We'll build a policy that covers your total equipment value with a reasonable deductible. Submit a quote request or call us and we'll walk you through it.
Ready to Get Started?
Submit your info and we'll get back to you — usually within one business day.
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.