Tools and Equipment
Focused protection for the gear your work depends on.
Tools and equipment coverage may help address covered loss or damage to the gear your business depends on. It is often reviewed as part of an inland marine conversation for contractors and trades.
Coverage is subject to policy terms, limits, and exclusions.
Information to Prepare
- • Tool and equipment inventory and values
- • Where gear is stored and used
- • Job site locations
- • Security practices
- • Current policies, if any
- • Transit details
What This Coverage May Help Address
- Covered theft or damage to tools
- Covered loss of equipment at job sites
- Certain mobile property protection
- Protection for gear that moves with the work
Common Scenarios
- Tools are stolen from a vehicle
- Equipment is damaged on a job site
- Gear is lost between projects
- A covered event damages mobile equipment
What May Not Be Included
- ✕ Liability for third-party injury or damage
- ✕ Employee injury and workplace incidents
- ✕ Vehicle damage addressed by commercial auto
- ✕ Property at a fixed location addressed by commercial property
Who May Benefit
- Contractors and skilled trades
- Businesses with valuable mobile gear
- Operations that depend on tools
- Companies that move equipment between sites
Tools and Equipment — Frequently Asked Questions
Ready to talk about Tools & Equipment?
Share how your business operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Availability, eligibility, underwriting company, terms, and coverage options vary. Speak with the agency to determine which products may be available for your business.
Some commercial insurance products may be offered by, administered by, or referred to third-party companies that are not affiliated with Texas Business Insurance. Each insurer is solely responsible for the products it issues and its financial obligations.
Protect the Business You've Worked to Build.
Tell us how your company operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Our Dallas-Fort Worth team responds within one business day.