Tools and Equipment Insurance

Tradespeople and professionals across the UK rely on their tools and equipment daily. Whether you're a builder, electrician, plumber, carpenter or engineer, the loss, theft or damage of essential tools could have serious financial and operational consequences. Tools and equipment insurance is designed to help safeguard your tools, providing peace of mind and business continuity.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Compare Tools Insurance with Us?

We specialise in trade and business insurance
Competitive pricing and multiple quote options
Tailored quotes with no unnecessary extras
Support from experienced UK-based advisers
Competitive pricing and multiple quote options
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What Is Tools and Equipment Insurance?

Tools and equipment insurance is a type of business cover that can protect portable hand tools, power tools, and specialist equipment against risks such as theft, accidental damage, loss, and vandalism. Cover could apply both at your business premises and while your tools are in transit or stored in your van overnight, depending on the policy selected.

As a specialist broker, we can help source suitable policies from leading UK insurers to ensure the level of cover aligns with your industry and working conditions.

Who Might Need Tools Insurance?

This type of insurance could be suitable for anyone who depends on physical tools to carry out their work, including:

If losing your tools would stop you working or result in significant expense, this insurance could offer vital protection.

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What Does Tools and Equipment Insurance Typically Cover?

Cover could vary depending on the insurer, but typical features may include:

Theft of Tools

Protection if your tools are stolen from a secure location such as a locked vehicle, site container or your business premises.

Accidental Damage

Cover for tools that are accidentally damaged during use or while in storage.

Loss in Transit

If tools go missing while being transported between jobs or sites, the policy could provide compensation.

Vandalism and Malicious Damage

Protection if your equipment is deliberately damaged by a third party.

Overnight Cover

Some policies could provide cover for tools left in a locked vehicle overnight, subject to specific security requirements.

Portable and Hired-in Equipment

Optional cover may be available for equipment you hire temporarily, or for highly mobile tools that are frequently taken off-site.

Tools Kept in Vehicles: What You Should Know

Theft from vans is a common concern. Many insurers impose conditions on overnight storage, such as:

  • Tools must be stored in a locked, alarmed vehicle
  • Vehicles may need to be parked off-street or in a secure compound
  • Some policies exclude cover overnight unless additional cover is selected

Always review the terms around van storage carefully to avoid invalidating your cover.

FAQs

While policies vary, exclusions may include:

  • General wear and tear or mechanical breakdown
  • Theft from an unlocked or unsecured location
  • Losses where there is no evidence of forced entry
  • Tools lent to others without proper security measures

Always check the policy wording to understand the exclusions and conditions.

Yes, many policies offer cover for theft from vehicles or job sites, but insurers may require certain security measures like locked vans, overnight storage rules, or alarm systems to be in place for a claim to be valid.

As a broker, we have access to a wide panel of insurers and can help tailor cover that suits your trade, working patterns and security needs. This can result in:

  • Competitive pricing
  • Flexible policy terms
  • Clear explanations of cover limits and exclusions
  • Support in the event of a claim

Accidental damage cover is often included or available as an optional extra. It protects against drops, misuse, or unexpected incidents that render your tools unusable, helping you avoid costly replacements.

Absolutely. Many insurers offer hired-in plant and tools cover, which protects you if rented equipment is damaged or stolen while in your possession. You’ll often need to declare the maximum value of hired tools at any time.

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Helpful Articles & Updates

Keep your gear covered with expert advice on tools and equipment insurance, theft prevention, and more.