Tool insurance

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Man using a drill in a workshop

Why is tools insurance cover important?

A fire in your garage or a sudden break-in – losing your tools and finding replacements can cost your business valuable time and money. If your property is badly damaged, destroyed, or lost for good, tool insurance can cover the cost, helping you operate against the odds. Our insurance covers many tools of trade too – check your policy wording for specific details.

  • insurance for tools of trade, including saws, drills, pliers, screwdrivers, and more
  • tools left in your van overnight, covered as standard
  • cover for break-ins, flood, fire, and loss, for peace of mind while you work

Tool Insurance – what’s covered?

How much does tool cover insurance cost?

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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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Find answers to common insurance questions

How do tool insurance claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

Example claim

Having tools insurance cover through Simply Business has saved UK small business owners thousands of pounds when the unexpected happened.

Greg saved more than £1,000

Greg (not his real name) called our claims team at Sedgwick to report a fire at the allotment where he keeps the tools for his business. The optional tool insurance added to Greg’s business policy helped cover his replacement costs.

Tools insurance FAQs

Whether you’re new to buying insurance or you’ve been operating your business for a while, here are the answers to some commonly asked questions about insurance for tools.

You can also check out our business insurance FAQs.

It’s a good idea to keep hold of the receipts and a record of the serial numbers when you buy tools. This can make it easier to track them down if they’re stolen and can speed up the claims process.

Most standard home insurance policies don’t cover tools you use for work, however it’s possible to add on extra cover. Check with your home insurance provider to make sure you’ve got the right level of protection.

If your garage is attached to your house, it’s likely to be covered by your home insurance. If you keep tools you use for work in your garage, they may be covered by your home insurance policy or tools in transit insurance. Check with your insurer to make sure you have the right level of protection.

Tools in transit is when the tools you use for work, such as portable hand tools or power tools, are being loaded on or off your vehicle, or temporarily housed on it. You can get specialist van tools insurance cover to protect you if your tools are lost, stolen, or damaged while in transit.

We provide a range of cover options for specific business types, including:

Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.

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