Your gear,on site,in transit,covered.
Your tools are your livelihood. Tools and equipment coverage protects them on the jobsite, in your truck and in transit, from theft, loss and damage.
A trailer gets cut open overnight and $20,000 in tools is gone. General liability won't pay for that. Tools and equipment coverage replaces the gear so the crew is working again by the end of the week.
Why contractors insure their tools.
Hand tools, power tools and larger equipment.
Coverage in transit and at the jobsite, not just the shop.
Replace stolen or damaged gear fast and keep working.
Usually inexpensive to bundle with your liability.
Texas tools and equipment insurance: what to know
Texas tools and equipment insurance, sometimes called contractors' equipment or inland marine coverage, protects the gear that makes you money: hand tools, power tools, generators, compressors and trailered equipment. Tool theft from trucks and jobsites is one of the most common contractor claims in Texas metro areas, and general liability does not pay for it. Coverage can be written as a blanket limit for small tools plus scheduled items for anything over a few thousand dollars, and it can include equipment you rent or borrow.
How we quote tools and equipment insurance in Texas: you give us your name, phone and trade, and the details you have on revenue, payroll and any certificate deadline. We send that to the carriers that actually want your class of work, pull the options into one side-by-side summary, and call you with the number. If a GC or city needs the certificate the same day, say so on the form and we work to that deadline. At renewal we take the policy back to market instead of auto-renewing it.
Source: Texas Department of Insurance.
Texas tools and equipment insurance questions we get every week.
What is tools and equipment insurance?
It covers your tools and equipment against theft, loss and damage, whether at the jobsite, in transit or stored. Standard property policies often don't.
Does general liability cover my tools?
No. General liability covers third-party claims, not your own tools. Tools and equipment coverage fills that gap.
Is rented or leased equipment covered?
It can be. We can include rented or borrowed equipment; tell us what you use and we'll structure coverage.
How much does it cost?
It's usually an affordable add-on based on the value of your gear.
Is equipment stolen out of my truck covered?
Yes, if the policy includes theft and the equipment is scheduled or within the blanket limit. We'll ask what you carry and where it sleeps at night so the limit matches reality.
Get a quote before the job starts.
Name and phone is enough to start. Add the details if you have them and the quote comes back faster.
(951) 800-4287