Coverage for tools and equipment your business uses away from the main location.
Tools and equipment coverage helps protect portable gear, contractor equipment, diagnostic tools, cameras, laptops, and job-site equipment when covered losses happen.
- TodayNew item scheduledPipe threader · added to the list
- YesterdayJobsite checkTools covered on site and in the van
- May 19Schedule reviewedValues squared against receipts
New to it, or switching a policy over?
We'll explain what it typically covers, what it leaves out, and what contracts or landlords commonly ask for — in plain English, no pressure.
Already have a policy? Upload it. We'll review the limits, exclusions, and wording, compare the market, and tell you straight whether it's worth a move — same coverage, no gap.
These are the moments it’s built for.
Tools & equipment is a practical coverage layer for businesses with this exposure. Riza helps you understand what the policy is supposed to do, where it stops, and how it should connect to the rest of your insurance stack.
Your team brings tools to job sites or client locations.
Equipment lives in trucks, trailers, storage units, or temporary locations.
Replacing stolen gear would delay work.
Your current property policy only covers items at one insured location.
What it helps cover.
The moments this policy typically steps in for — in plain English, before the policy language.
Owned tools and equipment when scheduled or blanketed.
Gear in transit, at job sites, or temporarily stored when covered.
Rented or leased equipment when included.
Theft and certain physical damage losses.
Small tools, installation gear, and field equipment.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording with you before recommending anything.
What sits in another policy.
No policy covers everything. Here’s where this one usually stops — and what typically picks up from there.
Each line links to the coverage that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Here’s how it actually plays out.
Tools are stolen from a locked truck.
Equipment is damaged in transit.
A job-site storage container is broken into.
Rented equipment needs proof of coverage.
What actually moves the price.
No number on a landing page is a real quote. These are the inputs underwriters actually look at — and what we pin down with you so the policy fits.
- Equipment schedules.
- Blanket versus scheduled limits.
- Deductible and theft conditions.
- Rented or leased equipment requirements.
No instant-quote gimmicks. We get the inputs right, compare the market, and show you the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English and staying on it after bind. Insurance that feels handled.
We start with the real-world exposure, not the policy name.
We review contracts, current policies, exclusions, limits, and operational details.
We compare carrier options and explain the tradeoffs in plain English.
We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.
Questions we get a lot.
Who needs tools & equipment?+
Businesses need it when the exposure exists in their operations or when a contract, landlord, lender, client, or regulator requires it.
What does tools & equipment usually cover?+
Coverage depends on the policy form, carrier, limits, endorsements, exclusions, and facts of the claim. Riza reviews the details before recommending a policy.
What affects the cost of tools & equipment?+
Pricing usually depends on the industry, size, location, limits, claims history, contract requirements, and underwriting details specific to the coverage line.
Can Riza review my current tools & equipment policy?+
Yes. Upload your current policy or declarations page and Riza can flag gaps, confusing wording, missing endorsements, and coverage that may no longer match the business.
Let’s get you covered.
Tell us a bit about your business, see your options, and we’ll take it from there.
- 01We start with the real-world exposure, not the policy name.
- 02We review contracts, current policies, exclusions, limits, and operational details.
- 03We compare carrier options and explain the tradeoffs in plain English.
- 04We keep coverage useful after bind with certificates, endorsements, renewals, and reviews.