Tools and Equipment Coverage
Your tools are how you make money. If they're stolen from your truck or damaged on a job site, you need to be able to replace them fast. Here's how tools and equipment coverage works.
What Tools Coverage Covers
Tools and equipment insurance (also called inland marine coverage) protects your tools and equipment whether they're on the job site, in your truck, or in transit. It covers theft, damage, and mysterious disappearance.
This is one of the most overlooked coverages we see — and one of the most commonly needed. Tool theft from work trucks is extremely common in Texas.
What's NOT Covered by Your Other Policies
- ⚠ Commercial auto does NOT cover tools inside your truck
- ⚠ Commercial property does NOT cover tools on job sites or in transit
- ⚠ General liability does NOT cover your own property
How Much Does It Cost?
For most small contractors, tools coverage starts around $300–$800/year depending on the value of your equipment. It's one of the more affordable coverages and one of the most frequently used. Call us or fill out the quick quote form to get started.