Mobile Equipment, Tools, and Anything That Leaves Your Premises Insurance

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Mobile equipment insurance coverage for tools and equipment

Policies cover claims against damage caused by your equipment or tools

Covers theft of tools or equipment while off site


Mobile equipment like forklifts and tractors and any other tools or equipment that leave your premises are costly themselves and can be involved in costly accidents.

They need insurance coverage to prevent your liability should anyone make a claim against your business that arises out of the operation of these tools. 

Mobile Equipment, Tools, and anything that leaves your premises

What Is Mobile Equipment, Tools, and Anything That Leaves Your Premises and What Does It Cover?

Liability insurance for tools and equipment covers mobile equipment, tools, and anything that leaves your premises. 

Tools and equipment insurance is designed to protect high-value mobile property from common risks such as theft, damage, or liability claims from an accident related to your tools or equipment. 

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Tools and equipment insurance covers:

  • Property in transit, including any supplies or tools
  • Heavy mobile equipment such as loaders, bulldozers, tractors, forklifts, or maintainers
  • Other equipment such as electronic assets
  • Hand tools such as wrenches, saws, and hammers
  • Power tools like jigsaws or nail guns

Mobile Equipment, Tools, and anything that leaves your premises

If someone steals your items or an accident or vandalism damages your equipment, your tools and equipment insurance policy will cover the cost of replacement or repair.

It only covers true emergencies or damage and does not cover natural wear and tear.

What Types of Businesses Need Mobile Equipment, Tools, and Anything That Leaves Your Premises Insurance?

Any contracting company or company that performs a service related to construction, building, or repair in any way would benefit from having a mobile tool and equipment insurance policy. 

Some examples of these companies include:

This is especially beneficial to companies who transport their equipment off the premises of their company office or workshop – those who bring their equipment from job site to job site as needed.

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