Tool insurance

Whatever the tools of your trade, we’ve got flexible, affordable cover

You could be a stonemason with chisel and hammer, a plumber with a belt strung with wrenches and plungers, or a construction worker with specialist tools on site.

Whatever the tools of your trade, we’ve got flexible, affordable cover you can use to replace them quickly if they’re lost, stolen or damaged in your care. We can protect tools that belong to you – as well as ones you’ve hired to get the job done.

Who can get tool insurance?

We cover a broad spectrum of trades and professions with our tool insurance.

Everyone has ‘tools’ they use to perform – whether you’re a business consultant with laptop, mobile devices and tablets to stay connected, a gardener with leaf-blower, rakes and forks, or a bricklayer with bucket, mixers and trowels.

Regardless of what you use them for – these tools are almost as essential as you are to the running of your business. And that’s why you need to protect them.

Tell us a bit about the work you do and add our tools/equipment cover to whichever core covers you have with us (public liability, employers’ liability, contents cover, professional indemnity insurance).

What is covered by tool insurance? Are my power tools covered?

You can choose from the following tool insurance cover: 

Own plant, tools and equipment cover

Protect the tools you own in case of accidental loss, theft or damage. We can help you cover tools (including power tools), machinery, trailers or caravans – plus stock up to the value of £2000.

Hired-in plant cover

If you’re renting specialist gear (like constructional plant, machinery, tools/power tools or site huts) – our hired-in equipment cover will protect them if they’re damaged or destroyed in your care.

Business equipment insurance

Cover for the equipment you use to manage your business, like mobiles, computers, tablets, laptops and any other kind of technology.


What other types of insurance can protect my business?

You can add tool insurance to any of the covers below.

Business insurance for tradesmen

Get all the detail you need on the insurance that’s right for your business with our dedicated business insurance for tradesmen page.

Find out moreabout Business insurance for tradesmen

Public liability insurance

£5 million cover to protect your business against third-party injury or damage claims, that’ll help you cover compensation costs and legal fees.

Find out more about public liability insurance

Employers’ liability insurance

Have staff, apprentices or volunteers who work for you? You’re legally obliged to have this protection. We’ll give you £10 million as standard.

Find out more about employers liability insurance

Van insurance

Use your van to get around? You’ll get accident recovery, roadside repairs and a guaranteed courtesy van –and cover for wrong fuel, lost keys and satnavs.

Find out more about van insurance

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