Tools & Equipment Insurance (Inland Marine) for Contractors
Inland marine coverage for the tools and equipment your business depends on — protected against theft, loss, and damage on the job, in transit, and in storage.
Your tools and equipment are your livelihood — and they're constantly exposed. They ride in your truck through traffic, sit on open jobsites, and get stored in yards and garages, all of which makes them prime targets for theft and vulnerable to damage. Tools and equipment insurance, a form of inland marine coverage, protects that gear against theft, loss, and damage wherever it goes.
It's a coverage many contractors overlook until a trailer gets emptied overnight or a piece of equipment is damaged on site — and they learn their general liability and property policies don't cover it. Buy Contractor Insurance places inland marine coverage that follows your tools, so a loss doesn't put you out of work while you scramble to replace what you need to do the job.
The Coverage Your Other Policies Don't Provide
Here's the gap that surprises contractors: general liability covers damage you cause to others, and a commercial property policy covers property at a fixed location — but neither one properly covers the tools that move with you from job to job. That's the whole point of inland marine. It's designed for mobile business property, following your gear wherever the work takes it.
Given how much theft targets construction — tools left in trucks overnight, trailers hit at jobsites, equipment lifted from open sites — this isn't a fringe coverage. For most working contractors, the value of the tools in the truck alone justifies it, and a single theft can exceed a year of premium. It's the difference between a covered claim and an out-of-pocket scramble to replace everything before the next job.
Scaled to What You Actually Carry
Inland marine coverage is built around your inventory. A finish carpenter with a truck full of specialized hand and power tools has different needs than an excavation contractor with heavy equipment, and the policy is scaled accordingly — including scheduling higher-value items individually where it makes sense.
It also handles the realities of how contractors work: coverage for tools in transit, gear stored off-site, and equipment you rent or borrow (which rental houses often require you to insure). We build the coverage around your real tool list and how your business moves, so when something is stolen or damaged, you're replacing it on the insurer's dime and getting back to work fast.
Who Needs This Coverage
- Any contractor who transports valuable tools between jobs
- Trades with significant investment in power tools and equipment
- Contractors who rent or borrow equipment for projects
- Anyone storing gear in trucks, trailers, or yards overnight
Tools & Equipment (Inland Marine) FAQs
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