--- title: "Does Builders Risk Cover Tools?" description: "Often not for a contractor’s own tools; tools may need a separate tools or equipment floater." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-tools" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-tools" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-tools) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Tools?" within the Builders Risk FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Builders Risk Cover Tools? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Builders Risk FAQ](https://thegeneralaverage.com/insurance-faq/builders-risk) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Builders Risk Cover Contractor Equipment?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment) — related question - [Does Builders Risk Cover Rented Equipment?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment) — related question - [Does Builders Risk Cover Scaffolding?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding) — related question - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) — related question - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # Does Builders Risk Cover Tools? Often not for a contractor’s own tools; tools may need a separate tools or equipment floater. The ISO specimen distinguishes property becoming part of the building from contractor-owned equipment and tools, which are not necessarily covered project property. The NAIC glossary separately describes tools and equipment floaters for movable contractor property. A tool used to build the project is not necessarily insured merely because it is onsite. Check the definition of covered property, ownership and custody requirements, and any temporary-property extension. Ask whether hand tools, rented items, theft, and property in a vehicle need a separate inland marine or equipment policy. For movable tools, ask the contractor to show a scheduled tools or equipment floater and check whether it follows tools between jobs, vehicles, and storage. Builders risk may still cover a separate insured building loss caused by a covered event involving a tool, depending on the form, but that does not mean the tool itself is covered. Verify ownership, theft conditions, and any rented-item responsibility. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Contractor Equipment?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment) - [Does Builders Risk Cover Rented Equipment?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment) - [Does Builders Risk Cover Scaffolding?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding) - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) ## Coverage Guides Related to Builders Risk Insurance - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25. 2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25. 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