Tools & Equipment Insurance for Contractors

Protect Your Tools, Protect Your Business

Your tools and equipment are essential to every job you take on. Tools & Equipment Insurance shields your contracting business from the financial impact of stolen, lost, or damaged gear—so you’re never left without the resources you need to get the job done. At Affordable Contractors Insurance, we provide contractor-specific policies designed to keep your tools protected and your work moving forward.

What Does Tools & Equipment Insurance Cover?

Tools & Equipment Insurance is essential for contractors because it protects your business from costly setbacks caused by lost or damaged gear. Here’s how it keeps your business running smoothly:

Theft Protection: Covers the cost of replacing stolen tools or equipment, whether taken from a job site, your vehicle, or a storage location.
Accidental Damage: Pays for repairs or replacement if your tools or equipment are damaged on the job—such as a dropped power tool or a damaged generator.
In-Transit Coverage: Protects your tools and equipment while they’re being transported between job sites, ensuring you’re covered wherever the job takes you.
Rental Reimbursement: Covers the cost of renting replacement equipment while your damaged or stolen items are being repaired or replaced, helping you avoid project delays.

Why Contractors Need Tools & Equipment Insurance?

Without tools & equipment insurance, a single theft or accident could leave you covering expensive replacements out of pocket. Many contractors rely on this coverage to keep projects on track without delays—and to ensure they’re ready for every job.

Essential for Staying Productive on Every Job Site
Covers Expensive Equipment and Essential Tools
Protects Against Loss, Theft, and Damage

How Much Does Tools & Equipment Insurance Cost?

Several factors affect your tools & equipment insurance premium, including:

Value of Tools and Equipment: Higher-value items, such as heavy machinery, will increase the cost of coverage.
Frequency of Use and Job Site Locations: More frequent use or high-risk job sites may raise your premium.
Coverage Limits and Deductible: Choosing higher limits and lower deductibles increases premiums.

Benefits of ACI’s Tools & Equipment Insurance

When you insure with Affordable Contractors Insurance, you get more than just coverage for your tools—you get a partner who understands the critical role equipment plays in your business.

Same-Day Policy Binding – Get immediate coverage so you’re always ready for the next job.
Exclusive Contractor Rates – Save with affordable, contractor-specific policies and custom bundles.
Simple Claims Process – Access fast claims processing to get replacements quickly.
Year-Round Support – Our team is here to help with claims, coverage adjustments, and renewals.

Get Your General Liability Coverage Today

Don’t leave your business exposed to lawsuits, accidents, or compliance issues. Get the coverage you need to protect your business and keep operations running smoothly.