Tools & Equipment Insurance
Are My Tools Covered Under My General Liability Policy?
No — GL covers damage you cause to others, not damage to or theft of your own tools. You need a separate tools and equipment policy.
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Does general liability insurance cover my contractor tools?
General liability insurance is third-party coverage. It responds when you cause bodily injury or property damage to someone else. It has nothing to do with your own property — your tools, equipment, or materials.
This is one of the most common misconceptions among contractors. Your GL policy is essential, but it simply doesn’t cover your tools under any circumstances.
The coverage you need is a tools and equipment policy (inland marine). It’s specifically designed to cover contractor-owned tools and equipment — and it’s often more affordable than contractors expect.
Get the right tools coverage today.
Trade Safe shops dozens of A-rated carriers to find you the best tools & equipment policy for your trade.