Tools & Equipment Insurance
What Happens If My Tools Are Stolen From a Jobsite?
Yes — a tools and equipment policy covers theft from job sites. File a police report, document the loss, and notify your insurer promptly.
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Are tools covered if stolen from a construction site?
Job site theft is the most common tools insurance claim. Construction sites with valuable equipment and irregular hours are prime targets. A tools policy is specifically designed for this scenario.
Steps to take: (1) File a police report immediately — your insurer will require it. (2) Document everything stolen with as much detail as possible — make, model, approximate value. (3) Photograph the scene, including any evidence of forced entry. (4) Notify your insurer promptly — most policies require timely notice.
Job site theft claims are typically processed within 2–4 weeks with good documentation. Coverage applies regardless of whether the site is secured, though some policies have sublimits for tools left at unattended open sites — check your policy terms.
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