Tools & Equipment Insurance
Tools & equipment insurance (inland marine) covers the tools, gear, and portable equipment your crews use — protecting them against theft and damage on the job site, in the truck, and in transit.
Tools & Equipment for Work-Truck Crews
The tools in your trucks represent thousands of dollars and the ability to do the job. Theft from work vehicles is one of the most common losses in the trades, and standard auto and property policies won't fully cover tools that travel. Tools & equipment insurance — a form of inland marine — protects your gear wherever it goes.
What's Covered
- Theft: Tools stolen from the truck, the job site, or a storage trailer
- Damage: Equipment damaged on the job or in transit
- Owned and rented: Your tools plus equipment you rent or borrow
- Small tools and large equipment: From hand tools to portable machinery
Scheduled vs. Blanket
- Scheduled: High-value items listed individually by description and value
- Blanket: A pool limit for unscheduled small tools, with a per-item cap
We structure the right mix so your most valuable equipment is fully covered and your everyday small tools are protected without listing every screwdriver.
Reducing Tool Losses
Carriers reward good controls — locked toolboxes, alarmed vehicles, serial-number records, and overnight storage practices. We help you put those in place to lower both claims and premiums, and coordinate tools coverage with your physical damage and cargo policies.
What's Covered
Frequently Asked Questions
Usually not adequately. Auto covers the truck, and property policies focus on your premises. Tools that travel to job sites need inland marine tools & equipment coverage.
Scheduled lists high-value items individually; blanket provides a pool limit for everyday small tools with a per-item cap. Most crews need a combination, which we structure for you.