THE DETAILS THAT MATTER
For the equipment your next job depends on.
Separate small unscheduled tools from larger scheduled equipment. Review replacement cost, valuation and per-item limits.
Tell the insurer how equipment is secured overnight and whether it is stored in vehicles or at unattended jobsites.
Discuss rented and leased equipment, employee tools and equipment borrowed from other contractors.
Read the coverage boundaries.
Wear and tear, mechanical breakdown and unexplained disappearance may be excluded. Theft limits, security conditions, deductibles and covered territories vary.
A common question
Commercial auto generally covers the vehicle, rather than all its contents. Review inland marine or equipment coverage for the tools separately.
Jesse Denno · CA insurance license #4503208 · Updated October 10, 2026