Blog & insights

Tools & equipment insurance, decoded

Plain-English guides on the coverage that matters for contractor gear — scheduled tools floaters, mobile equipment, installation floaters, and the equipment breakdown coverage that pays when gear is stolen or fails.

Does General Liability Cover Stolen Tools? (No — Here's What Does)
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Coverage BasicsJune 3, 20264 min read

Does General Liability Cover Stolen Tools? (No — Here's What Does)

The most common and costly misconception in contractor insurance: general liability does not cover your tools. Here's exactly what GL covers, what it doesn't, and the coverage that actually replaces stolen gear.

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Cost & Buying4 min read

Tools & Equipment Insurance Cost (2026 Guide)

A plain-English breakdown of what contractors pay to insure their tools, gear, and mobile equipment — the levers that move your premium, and how to land at the low end of the range.

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Coverage Basics4 min read

Scheduled vs. Blanket Tool Coverage Explained

Scheduled tool coverage lists each item and pays reliably at claim time. Blanket coverage is simpler but often pays less. Here's how to choose the right structure for your contractor gear.

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Loss Control4 min read

Stopping Jobsite & Truck Tool Theft: A Contractor's Playbook

Tool theft is the most common loss contractors face — and most of it is preventable. Here's how to harden your truck, jobsite, and yard against theft, and the insurance that backstops you when prevention fails.

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Coverage Basics4 min read

What Is an Installation Floater? (And Why Contractors Need One)

An installation floater covers your materials in transit and until they're installed — closing the gap between the supplier's truck and the structure that builder's risk and property leave wide open.

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