Tools & Equipment Insurance

Your tools earn the living. Insure them like it.

Tools and equipment live in trucks, trailers, and job sites — precisely where standard property policies stop covering them. An equipment floater follows your gear wherever it works, against theft, damage, and loss.

We arrange floaters from a carpenter's hand tools to contractors' heavy iron, scheduled and blanket, owned and rented.

What's covered

Owned tools and equipment, on site, in transit, and in storage
Theft from vehicles, subject to declared security conditions
Scheduled items for big-ticket equipment
Blanket limits for small tools
Rented and borrowed equipment coverage
Newly acquired equipment picked up automatically

Good to know

Frequently asked questions

Are my tools covered overnight in my locked truck?: Only if your floater's theft-from-vehicle wording allows it — conditions vary from 'locked and out of sight' to outright overnight exclusions. We match the wording to your actual routine, because that's where tool claims happen.
Should equipment be scheduled or blanket?: Both: schedule the excavator, blanket the drills. Scheduled items get agreed limits; the blanket sweeps up everything smaller. An inventory (photos and serials) makes claims fast.
Is rented equipment covered under my floater?: With rented-and-borrowed coverage, yes — and rental houses require proof before releasing gear. Set the limit to your largest typical rental, not your average one.

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Insurers we compare for tools & equipment insurance

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Frequently asked questions

Are my tools covered overnight in my locked truck?

Only if your floater's theft-from-vehicle wording allows it — conditions vary from 'locked and out of sight' to outright overnight exclusions. We match the wording to your actual routine, because that's where tool claims happen.

Should equipment be scheduled or blanket?

Both: schedule the excavator, blanket the drills. Scheduled items get agreed limits; the blanket sweeps up everything smaller. An inventory (photos and serials) makes claims fast.

Is rented equipment covered under my floater?

With rented-and-borrowed coverage, yes — and rental houses require proof before releasing gear. Set the limit to your largest typical rental, not your average one.