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.
Service rating
Products rating
“very knowledgeable and helpful”
Luke was very knowledgeable and helpful when it came to arranging the cover I needed, above all he was very patient in working out exactly what I needed.
Hollard Carpentry Ltd - April 13, 2025
“Very good advice and a great price”
Very helpful advice and a great price for my cover
Anthony Kirkbride - April 10, 2025
“brilliant service”
I've given them 5 stars as so so easy to deal with, easy steps and a very nice lady on the other end
Mr Mark Rix - April 03, 2025
“Simple easy service”
Great simple process
Mr steven Young - March 22, 2025
“very helpful and professional”
My experience with trade direct was very impressive, staff was very helpful and professional
FES and Services Ltd - March 21, 2025
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.