Tool Insurance covers tools owned by the insured against loss, theft, or damage. Whether you’re working on-site, transporting tools to a new job, or storing them overnight, we provide reliable protection tailored for your needs. You’ll have the peace of mind knowing your tools are always covered.
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.
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.
✔ Portable powered and non-powered hand-held tools
✔ Day and night tool theft cover in any locked building or vehicle
✔ Sole traders, partnerships, limited companies and limited liability partnerships
✔ Up to £15,000 in protection, should your tools be stolen in the UK or within the EU
✔ Tools not owned by you - Powered and non-powered handheld tools of all types belonging to someone else, held under a hire purchase agreement by, leased to or hired to you or your employee
What isn't covered?
While we aim to offer comprehensive coverage, some exclusions apply, including:
✘ Wear and Tear: We cover accidents, not normal wear.
✘ Unattended Tools Outside Policy Conditions: Tools left in certain conditions may not be covered.
We keep our exclusions clear, so there’s no confusion when it comes to what’s covered.
How much cover is available?
We offer Tool Insurance up to £15,000 for your tools, with coverage limits that can vary depending on your selected policy.
Whether you need protection for a few tools or an extensive collection, we have a solution for you.
Who is Tools Insurance for?
Tool Insurance is perfect for:
Sole Traders
Contractors
Small Trade Businesses
Limited Companies with Tools
Our coverage is tailored for those who depend on their tools to get the job done.
Get Tools Insurance in minutes
No more long forms or hidden fees. Get your tool insurance sorted in minutes with our quick and easy process.
No Jargon: We speak your language, not insurance lingo.
No Obligation: Get your quote, and only proceed if you’re happy.
UK Support: Our expert team is here to assist when you need us most.
Beyond Tools insurance, we offer a range of additional covers tailored for tradesmen to further protect your business:
Public Liability Insurance
With the right Public Liability insurance, you can protect your business from the financial fallout of unexpected events.
Professional indemnity Insurance
With our reliableProfessional Indemnity insurance, you’ll receive protection against claims resulting from incorrect professional advice supplied to clients.
Employers Liability Insurance
In many cases,Employers Liability insuranceis a legal requirement if you employ staff. There are exceptions to this rule.
FAQs - Tools Insurance
Is tools insurance worth it?
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.
How much is tools insurance?
Anyone working in construction should consider their insurance. When thinking about what you need, you might also want to think about costs.
Are there limits to when my tools are covered?
No. Your tools will be covered 24 hours a day, 7 days a week.
Are the tools kept in my home garage or shed insured by my home insurance policy?
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.
My Business Insurance or Public Liability Insurance policy includes tools cover. Do I need a separate policy?
Check with your insurer to see if the cover you’ve got fits your needs. As with all insurance, your tools can only be covered by one policy at a time.
What’s the difference between Plant and Tools?
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.
What is an Excess?
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.
What does Personal Tools cover provide?
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.
How much Personal Tools cover can I have?
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.
More commonly-asked questions
Have a question that isn't covered on this page? We've got answers to more questions on the Tools FAQ page.
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We specialise in flexible and affordable fleet cover specifically designed for tradesmen like you.
Get covered with comprehensive, third party only or third party fire & theft van insurance. Check out our cover options, features and benefits.
Trade Direct Insurance Services Limited (company number 1580129). Registered office Mill Pool House, Mill Lane, Godalming, Surrey, GU7 1EY. Trade Direct Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA), firm registration number 307734. You can check this by visiting the FCA website at www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
