Tools & Equipment Insurance
Your tools are how you earn, and replacing a stolen kit out of pocket can stop work for days.
We arrange tools and equipment insurance that covers your gear against theft, loss and accidental damage.
Cover for the kit that keeps the job moving.
Cover for the Tools That Earn You a Living
Tools live in utes, on sites and in trailers, which makes them an easy and common theft target.
A stolen or damaged kit is not just a replacement cost, it is lost days you cannot bill.
We structure cover that replaces your gear quickly, so a break-in does not become a week off the tools.
“Tool theft from a ute or site is one of the most common claims a tradie ever makes.”
What Tools & Equipment Insurance Typically Covers
Cover is tailored to your kit and how you work, and generally includes the following.
- Theft of tools from a vehicle, site or storage
- Accidental loss and damage to tools and equipment
- Fire and attempted theft
- Power tools, hand tools and portable equipment
- Hired and borrowed tools, where arranged
- Tools kept in a locked vehicle or trailer overnight, subject to conditions
- New replacement value, so you are not left short, where arranged
- Cover while working across multiple sites Australia wide
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks Your Tools Face
Portable, valuable and always on the move, tools carry their own exposures.
Theft From Vehicles and Sites
Tools are stolen from utes, trailers and unsecured sites constantly, often overnight.
Downtime After a Loss
A stolen kit can put you off the job for days while you replace it, with no income in the meantime.
Accidental Damage
Dropped, crushed or water-damaged tools fail when you need them, on a job you have already committed to.
Cover Types That Work With Tools & Equipment Insurance
Trades and operators usually arrange one or two of these alongside their tool cover.
Get Tools & Equipment Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Tools & Equipment Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Tools & Equipment Insurance: Frequently Asked Questions
Yes, subject to the policy conditions, theft from a locked vehicle is a core part of tools cover. We will explain the conditions, such as the vehicle being secured, before you rely on it.
It can. New replacement value cover can be arranged so you are not left short on a major tool. We will confirm what each insurer offers.
They can be. Cover for hired and borrowed equipment is available so a damaged hire item does not come out of your pocket.
Policies set per-item and total limits, and we make sure they match the real value of your kit, including any high-value items, so you are not underinsured.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.