Who needs it?
Tool Coverage
General liability insurance isn’t required by law, but it’s important to have if you own a business. Many small business owners reply on this type of insurance to protect them from unexpected liability claims. For example, if a customer slips and falls in your business and sues you for bodily injury, you’ll want to be financially protected. While it might not be required by state laws, some business contracts may require you to have this insurance.
Who Needs Tool Coverage Insurance?
BUSINESSES
Any business that relies on tools and equipment for daily operations should consider this coverage, including:
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Contractors & Construction Workers: Essential for those who work on multiple job sites.
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Electricians & Plumbers: Protection for valuable trade tools used on-site.
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Carpenters & Woodworkers: Coverage for specialized and expensive tools.
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Landscapers & Outdoor Service Providers: Ensures outdoor equipment is safeguarded.
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Freelancers & Mobile Service Providers: Protection for tools constantly in transit.
Top Tool Coverage Insurance Providers
CARRIERS
Several leading insurance companies offer inland marine insurance tailored to businesses that rely on tools and equipment. Some top providers include:
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The Hartford: Comprehensive inland marine policies for various industries.
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Travelers: Strong reputation for customizable equipment protection plans.
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Nationwide: Flexible coverage options for contractors and trade professionals.
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Chubb: Specialized inland marine insurance with high-value coverage options.
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Liberty Mutual: Competitive rates and broad protection for tools and equipment.
Commercial tool coverage insurance, also known as contractor's tools and equipment insurance, protects business tools and equipment from damage, theft, or vandalism. It's a type of inland marine insurance that covers movable property.
Protect Your Business with Commercial Tool Coverage Insurance
Your tools and equipment are essential to your business operations. Whether you’re a contractor, artisan, or tradesperson, losing or damaging your tools can lead to costly delays and financial setbacks. Tool coverage insurance ensures your valuable equipment is protected, even when it’s on the move.
Why Tool Coverage Insurance Matters
Accidents, theft, and damage can happen at any job site, storage facility, or during transportation. Tool coverage insurance helps cover:
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Theft & Vandalism: Protection if your tools are stolen from a job site or vehicle.
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Accidental Damage: Coverage for repairs or replacements due to unexpected incidents.
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Transit Coverage: Ensures your tools are protected while being transported between locations.
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Weather-Related Damage: Protection from natural disasters such as floods, fires, or storms.
Secure Your Tools & Equipment Today
Don’t let theft, damage, or unexpected incidents slow down your business. Tool coverage (inland marine) insurance provides the protection you need to keep working with confidence. Contact us today to explore coverage options tailored to your business.
The sky is the limit?
LIMITS
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How much?
PRICING
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Audit me?
Premium Audit
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