Business equipment insurance

What is business equipment insurance?

Maybe you’re a consultant who relies on technology to connect with your clients. Maybe you’re a tradesman using specialist tools to transform people’s homes. Whatever sort of business you run, you’ll have an array of equipment that helps you do it.

Would you be able to afford to replace them if they were stolen or damaged? Could you do your work without them? Not many businesses could. But that’s where AXA’s business equipment insurance can help.

It’s designed to protect any moveable equipment including portable machinery, office contents/machinery leased by you or your partners, communication equipment like your phone, tablet or laptop.

For tradespeople, you can get cover to safeguard everything in your toolkit – from hammer and chisels to power-tools and diggers.

AXA’s offers tailored equipment protection that’ll protect you if the worst happens to your work kit – meaning you can replace what you need quickly and easily and get back to the most important business of all: the day job.

What equipment and tools does business equipment insurance cover?

There are a few kinds of cover you can choose from, in order to protect your business.

  • Own plant tools and equipment
    If you’re a tradesman, own plant tools and equipment offers protection in case of accidental loss, theft or damage to the tools you use. We’ll help you protect tools and stock as well as machinery, trailers or caravans.
  • Hired in tools and plant insurance
    If you’re working with hired or rented tools and plant, and they’re damaged, accidentally lost or stolen whilst in your care, we can help you cover them.
  • Business equipment insurance
    Cover for the equipment you use to manage your business, like mobiles, computers and other technology.

If you’re interested in any of the above, simply select the cover you’d like in our quote journey.

Can I get equipment insurance for my small business?

Yes, you can. With AXA, you can add business equipment insurance to any of our core covers: public liability, professional indemnity, contents insurance or employers’ liability insurance.

Our equipment insurance protects you wherever you are in the UK, which means that you’ll be covered if you’re travelling for meetings or to meet suppliers and lose your technology when you’re on the road.

Why do I need business equipment insurance?

Think about what you need to keep your work up and running. Would you be able to replace these if they were stolen, damaged or lost? We offer two kinds of cover to help you guard the important stuff.

Business equipment insurance

If you’re a professional, it could be the laptops you use to email, manage appointments, order stock or write reports. The mobile phone you use to communicate with clients or promote yourself on social media. The tablet device you use on site visits or to draw up business plans and designs. This’ll cover all that.

Own plant tools and equipment insurance

If you’re a tradesman or construction worker, essential kit like a hammer, drill or cement mixers is what helps you do the job everyday. Keep it safe with AXA’s flexible insurance – with the option to protect your hired in plant tools and equipment too.

Are rental equipment and tools covered?

With our hired-in plant and tools insurance, we’ll help tradesmen and construction workers protect things like constructional plant, machinery, tools or site huts if they’re damaged or destroyed whilst in your care.


What types of business insurance can I add this to?

You can add this to any of our core covers, to create the perfect mix of cover for your company – meaning you only pay for the things you need.

Professional indemnity

Given advice that causes financial loss to your clients and results in a claim? Cover legal fees and compensation payments with professional indemnity insurance. With optional add-ons, you can also protect your business in case of breach of confidentiality, loss of documents or dishonesty of your employees.

Find out more about professional indemnity insurance

Employers’ liability insurance

If you have employees, contractors, casual workers or temporary staff, it’s a legal requirement for you to take out employers’ liability insurance. It covers you for up to £10 million for any claims from staff may become unwell or suffer an injury as a result of working for.

Find out more about employers liability insurance

Public liability insurance

You’re responsible for the welfare of every customer or visitor. Public liability keeps you covered for up to £5 million if a member of the public is injured or their property gets damaged while dealing with your business.

Find out more about public liability insurance

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