A tradesman's tools are expensive and essential. Their loss or damage can have a devastating impact on your livelihood. Tool theft is on the rise and finding the right policy to protect them and your business can be challenging.
Finding the solution:
With the right Tools insurance, you can protect your tools against theft or damage 24 hours a day. If you want tools insurance for your portable powered and non-powered hand-held tools, we have the solution.
Get a quote for personal tools cover for up to £15,000. Our standalone Tools and Public Liability covers are underwritten by Zurich Insurance Company Ltd - one of the biggest names in insurance.
Beyond Tools insurance, we offer a range of additional covers tailored for tradesmen to further protect your business:
Public Liability Insurance
With the rightPublic Liability insurance, you can protect your business from the financial fallout of unexpected events.
Professional indemnity Insurance
With our reliable Professional Indemnity insurance, you’ll receive protection against claims resulting from incorrect professional advice supplied to clients.
Employers Liability Insurance
In many cases, Employers Liability insurance is a legal requirement if you employ staff. There are exceptions to this rule.
FAQs - Tools Insurance
If you work in a trade connected to the construction industry, your tools are important. You will need to work out what insurance you require to properly protect your business, so it’s useful to know whether tools insurance is something to consider.
You need to check with your home insurance provider. Some home insurance policies might cover tools for work or commercial use, but not all policies do.
Plant is large or heavy machinery and equipment (like concrete mixers, cranes and forklifts). Plant isn’t handheld, and is not covered under this policy.
Excesses are the amount we deduct from any money paid to you if you make a valid claim and it’s paid. The amount depends on the level of cover you choose.
When selected, our Personal Tools cover provides 24 hour cover for theft of, or damage to, powered and non-powered hand held tools of all types belonging to, leased to, on hire purchase, loan or hired to you or your Employees.
Your personal tools are likely to be a critical part of your work as a tradesperson, and therefore knowing that they are adequately protected is likely to be a key consideration.