Tool Insurance.

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What is Tool Insurance?

Protect your hammers, drills, power tools, saws and everything else from theft and damage. Losing your tools and finding replacements can cost your business valuable time and money. If your property is badly damaged, destroyed, or lost for good, tool insurance can cover the cost, helping you to operate again.

What is covered with Tool Insurance?

Tools insurance can help cover replacement costs, if your tools are lost or damaged, often due to theft, fire, flooding, or loss. It makes the difference between taking on a job and pausing work for thousands of tradespeople every year, who rely on their tools day-to-day. From power tools insurance to cover for specialist handheld items, make sure you protect the tools you need to work

  • Theft - Tools stolen while locked in secure premises, or in your van.

  • Flood - Damage, destruction, and loss caused by flooding

  • Fire - Damage, destruction, and loss caused by fire

  • Loss - Misplaced tools while you’re working on site, with no evidence of theft.

Tool Insurance FAQ’s

  • Most standard home insurance policies don’t cover tools you use for work, however it’s possible to add on extra cover. Check with your home insurance provider to make sure you’ve got the right level of protection

  • If your garage is attached to your house, it’s likely to be covered by your home insurance. If you keep tools you use for work in your garage, they may be covered by your home insurance policy or tools in transit insurance. Check with your insurer to make sure you have the right level of protection.

  • Tools in transit is when the tools you use for work, such as portable hand tools or power tools, are being loaded on or off your vehicle, or temporarily housed on it. You can get specialist van tools insurance cover to protect you if your tools are lost, stolen, or damaged while in transit.

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