Tools & equipment
Inland marine coverage for tools, gear and equipment that move between your shop, your truck and the job site.
What it covers
Covered
Every policy is different. Oscar walks you through the exact wording of yours.
- 01Tools and equipment at job sites
- 02Gear in transit in your vehicle
- 03Theft from a job site or vehicle, with conditions
- 04Rented or leased equipment
What it doesn’t cover
Usually not covered
- Normal wear and tear
- Theft with no sign of forced entry, in many policies
- Tools left unattended in an unlocked vehicle
- The vehicle itself (that’s commercial auto)
Who needs it
Who it’s for
Contractors and trades, mobile businesses, photographers and anyone whose equipment leaves the building.
Bundle two or more policies with Diamond and save up to 20%. A licensed agent reviews every request. Nothing on this page is a quote or proof of coverage.
FAQ
Tools and equipment questions
Does general liability cover stolen tools?
No. General liability covers harm to others. Your own tools need inland marine.
Should I keep a tool list?
Yes. A list with serial numbers and photos makes a claim much faster.
Related coverage
CoverageBuilder’s riskProtects a building while it’s being built or renovated, plus the materials on site, until the job is done.CoverageCommercial autoCovers vehicles used for work, and the people driving them, when there’s an accident.CoverageGeneral liabilityCovers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.
Next step
Ready when you are
Seven quick questions, about 90 seconds. Oscar, a licensed agent, reviews your profile personally.
Ask Diamond