Shovels, blowers, hand tools, shop equipment, radios, GPS units and office computers add up. Tools and contents coverage protects that gear against theft, fire and other covered losses, in the shop and often in your trucks.
What Is Typically Covered
- Hand tools and small power equipment
- Shop equipment such as compressors, welders and lifts
- Office contents, computers and dispatch equipment
- Small items carried in trucks, subject to limits
In the Truck or on Site
Coverage for tools in vehicles or at job sites often carries lower limits or specific conditions, such as requiring the vehicle to be locked. Ask your broker how tools are covered away from the shop.
Where Bigger Equipment Fits
Plow blades, spreaders, skid steers and loaders are usually scheduled on equipment insurance rather than a tools floater. Bulk salt and buildings fall under business property.
Keep an Inventory
An inventory with serial numbers, values and photos speeds up any claim. Update it before each season.
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Frequently Asked Questions
Are tools stolen from my truck covered?
Often, within limits and conditions. Confirm the details with your broker.
Is a commercial snow blower a tool or equipment?
It depends on value and how your insurer classifies it. Your broker will place it correctly.