Insurance for tools

If your tools are stolen or damaged, we'll cover the cost of replacing them.

If you're worried about the safety of your tools overnight, you can take out our 24-hour tools cover, for an additional premium.

Cover the essential items needed to run your business

When you rely on your tools to run your business, keeping them safe is a high priority, but sometimes things happen that are outside of your control. That's why it's important to have insurance in place.

If you take out our tools and business equipment insurance, we'll pay the cost of replacing tools and equipment stolen from you or an employee, so you can concentrate on getting the job done. We can also cover items that are damaged because of a fire, flood, storm or accident.

Get a quote
or call us on 0345 303 1761

What's covered?

From plumbers to carpenters, gardeners to electricians, we cover a wide range of tradespeople and can therefore insure many types of tools. Some examples of the tools we cover include:

  • Blow torches
  • Channel locks
  • Chisels
  • Cleaning supplies
  • Drills
  • Hammers
  • Lawnmowers
  • Paint trays and brushes
  • Pipe cutters
  • Pliers
  • Pressure washers
  • Saws
  • Screwdrivers
  • Spanners
  • Spirit levels
  • Steps and ladders
  • Vacuum cleaners
  • Wire strippers
  • Workbenches
  • Wrenches

We can also cover the electrical equipment used by your business, such as:

  • Digital cameras
  • Handheld survey equipment
  • Laptops and tablet computers
  • Palmtops
  • Removable satellite-navigation systems
  • Smartphones

If you want to check whether we can cover any tools or equipment not mentioned above, just speak to a member of the team. We'd be happy to help.

Get a quote
or call us on 0345 303 1761
  • Cover limits and conditions

    We can cover tools and business equipment that are stolen during the day. When the items are left unattended, the items must be secured in a locked building or in a vehicle where all points of access are locked. If you'd like to insure your tools overnight, read more about our 24-hour tools cover here.

    Cover limits for tools owned by your business:

    • Up to 5 workers – £40,000
    • Up to 10 workers – £50,000
    • Up to 15 workers – £75,000

    Cover limit for tools owned by you and your employees - up to £10,000 per person, per claim

    Excess per claim - £100

  • Overnight tools cover

    If you're concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment insurance to include overnight tools cover, for an additional premium.

    In order to obtain overnight cover, when you get a quote online, you will need to answer ‘Yes' to the following question: ‘Our standard cover excludes theft from a vehicle overnight. Would you like to add cover for overnight theft of your tools and business equipment from a vehicle?'

    Cover conditions

    • Your vehicle must be secured at all points of entry and any alarms or immobilisers must be set.
    • Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days.
    • Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, and handheld survey equipment etc.
    • There is a limit of £10,000 per claim and a single article limit of £1,500.
    • An excess payment is required if you make a claim. You will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.
  • Why do I need tools insurance?

    When much of your business is generated by word of mouth and positive reviews, maintaining a good reputation is vital. But if your tools get damaged or stolen, you risk having to cancel jobs at the last minute and disappointing clients.

    Tools insurance enables you to replace essential items quickly if you need to, so you can continue completing jobs to a high quality and on time.

Get a quote
or call us on 0345 303 1761