Tools & Equipment Insurance in Florida
Your general liability policy does NOT cover your own tools and equipment. If your tools are stolen from your truck, damaged on a job site, or destroyed in a fire, general liability will not pay to replace them. Tools and equipment insurance covers the repair or replacement cost of your business tools, equipment, and machinery wherever they are, whether on site, in transit, or in storage.
Who usually needs this coverage
- General contractors and all construction trades
- Electricians, plumbers, HVAC technicians
- Landscapers and lawn care operators (mowers, trimmers, blowers)
- Cleaning and janitorial businesses (pressure washers, floor machines)
- Painters (sprayers, compressors, ladders)
- Photographers and videographers (cameras, lenses, lighting, drones)
- Any business that transports tools to job sites
The cost of not having it
A set of electrician's tools can cost $5,000 to $15,000 to replace. A commercial pressure washer runs $3,000 to $8,000. A landscape trailer full of equipment can represent $20,000 to $40,000 in value. One theft or one fire and you are paying out of pocket, or you cannot work until you replace everything.
And replacement cost is only part of the picture. The days or weeks you spend waiting for new equipment to arrive are days you are not earning revenue. For a contractor or landscaper who depends on their tools to work every day, the lost income from downtime can exceed the cost of the equipment itself.
Tools and equipment coverage for specific trades
Electricians, plumbers, and HVAC
Your tool bag, meters, pipe threaders, gauges, and specialized equipment can cost $5,000 to $15,000 to replace. A single truck break-in or job site theft can put you out of work until you replace everything. Tools and equipment coverage protects these assets wherever they are.
Landscapers and lawn care
Commercial mowers, trimmers, blowers, trailers, and attachments represent significant investment. A fully loaded landscape trailer can easily be worth $20,000 to $40,000. This equipment spends most of its life outside, in transit, or at job sites, making it more vulnerable to theft and damage than equipment stored in a shop.
Photographers and videographers
Camera bodies, lenses, lighting rigs, drones, and editing equipment add up fast. A working photographer's kit can easily exceed $10,000 to $30,000. Equipment coverage protects your gear at shoots, in transit, and in storage, whether you own it or rent it.
How we place your coverage
We work with A-rated carriers backed by some of the largest reinsurers in the world to find the right coverage for your business. As an independent agency, we are not locked into a single carrier, so we can shop your policy across multiple options and find the best fit for your risk profile and budget.
Frequently asked questions
Does my GL cover tools stolen from my truck?
No. GL only covers damage you cause to other people and their property. Your own tools and equipment need a separate tools and equipment policy or a BOP with inland marine coverage.
Can I insure rented or borrowed equipment?
Yes. Many policies include a borrowed tools provision covering $3,000 to $5,000 per item. For larger rented equipment, ask about additional coverage options.
Is this the same as inland marine insurance?
Tools and equipment coverage is a type of inland marine insurance. Inland marine is the broader category that covers business property in transit or at temporary locations. Tools and equipment is the version designed specifically for contractors and trades.
Does my auto insurance cover tools stolen from my truck?
Typically no. Personal auto insurance and even most commercial auto policies have very limited coverage for tools and equipment inside the vehicle, often capped at a few hundred dollars. A dedicated tools and equipment policy is the only reliable way to protect your business property in transit.
Ready to protect your business?
Most Florida businesses can get a tools and equipment quote in under 10 minutes. No paperwork, no phone calls unless you want them.
The coverage descriptions on this page are general summaries for informational purposes only. They do not constitute an offer or guarantee of coverage. Actual policy terms, conditions, exclusions, and limits are determined by the issuing carrier. Please review your policy documents carefully or contact us with questions.