GeneralAverage

What Insurance Covers Tools On A Job Site?

A contractors’ equipment floater may cover tools at a jobsite; builders risk typically addresses project property, not your tools.

Tools move between jobsites and may be stolen or damaged away from your shop.

Check tool schedules, transit, theft-from-vehicle terms, per-item limits, and property of others. Confirm the floater covers each jobsite and your owned, rented, or borrowed tools.

Coverage Guides Related to Business Insurance

Sources for Business Insurance Answers

  1. Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Commercial General Liability; Directors & Officers Liability; Auto Liability; Business Interruption; Equipment Breakdown & Machinery. Accessed 2026-09-25.
  2. Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-25.
  3. Commercial Insurance Guide. California Department of Insurance; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-25.

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