Personal Tools Insurance

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.

Anyone working in construction should consider their insurance. When thinking about what you need, you might also want to think about costs.

No. Your tools will be covered 24 hours a day, 7 days a week.

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.

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.

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.

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.

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.

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.