Tools & Equipment (Inland Marine) Insurance

When you’re pricing out contractor insurance, it’s easy to focus on liability and workers’ compensation—but your tools and equipment are some of your most valuable business assets. Protecting them is essential.

What Is Inland Marine Insurance?

Inland Marine Insurance—often called Tools & Equipment Coverage—protects the mobile property your business relies on every day. Unlike standard property insurance, which covers items kept at a fixed location, Inland Marine follows your equipment wherever the job takes you.

This coverage can protect:

• Generators

• Welders

• Compressors

• High-value handheld power tools

• Specialty trade tools

• Small equipment used on jobsites

• Mobile equipment transported from job to job

Why Contractors Need This Coverage

For small businesses and contractors, tools and equipment can represent tens of thousands of dollars in investment. With jobsite theft and property damage on the rise, having coverage that protects your gear on the move, in your trailer, in transit, or on a jobsite is crucial.

Inland Marine Insurance helps ensure:

• Protection against theft

• Coverage for accidental damage

• Peace of mind knowing your tools are insured wherever you take them

You work hard to build your business—your equipment should be protected with the same level of care.

Protect Your Tools, Protect Your Business

At Brooks Commercial Insurance Services, we help contractors choose the right Inland Marine coverage to keep their tools and equipment safe. Whether you’re a solo operator or managing a full crew, we can tailor a policy that fits the way you work.

If you’d like, I can also create a version that matches your other coverage pages exactly in tone and layout.