Tools & Equipment Insurance for Contractors

Affordable Protection for Contractors’ Tools & Equipment

Don’t let theft, damage, or loss set your business back. With ACI’s contractor-specific tools and equipment insurance, you can stay focused on the job—knowing your gear is protected wherever you work.

Who Needs Tools & Equipment Insurance?

Also known as Inland Marine Insurance, tools and equipment insurance is essential for any contractor who owns, rents, or borrows tools—electricians, plumbers, carpenters, HVAC techs, landscapers, and more.

If your business relies on gear you carry to every job, you need tools and equipment insurance. 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.

Tools & Equipment Insurance Coverage Options

Tools & Equipment Insurance

Protects your hand tools, power tools, and equipment from theft, damage, or loss—on the job site, in your vehicle, or storage. Essential coverage for every contractor who relies on their gear to get the job done.

General Liability Insurance

Shields your business from third-party claims for bodily injury or property damage on the worksite. A smart foundation to pair with tools & equipment insurance.

Inland Marine Insurance

Covers tools and equipment as they move between locations, job sites, or while in transit. This flexible coverage keeps your valuable gear protected wherever your business takes you.

Employee Tools Coverage

Optional add-on to protect tools and work clothing owned by your employees. Make sure your whole crew is covered.

Rented or Borrowed Equipment Insurance

Extends protection to equipment you rent or borrow for special projects. Avoid costly delays from unexpected loss or damage.

Equipment Breakdown Coverage

Helps cover the cost of repairs or replacement for essential machinery that breaks down from mechanical failure—not just accidents or theft.

If your business depends on tools, equipment, or machinery—protect your investment with affordable coverage designed for contractors.

Why Choose Affordable Contractors Insurance?

At Affordable Contractors Insurance, we specialize in protecting contractors with tailored insurance solutions that fit your tools, trade, and budget. Whether you’re an independent contractor or managing a growing crew, we make it fast and simple to get the right coverage without the hassle.

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.

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Tools & Equipment Insurance by State

Protect Your Tools Anywhere You Work

We offer tools and equipment insurance for contractors in all 50 states, making it easy to keep your valuable gear protected—whether you’re on a local project or traveling across state lines. Ready to get covered? Contact us for a local quote or use our easy online tool below.