Business equipment & tools insurance

Q: What tools and equipment are covered under this policy?

In general, this type of insurance is reserved for those items that are essential to your business; you’re protecting the things that are of great value to your company which you simply couldn’t get by without. Each business has different items that they rely upon, and we can source cover for lots of different sectors so you’re able to choose one that gives your business the protection that it deserves.

Q: How can I insure my business equipment?

Simply get in touch with us and we’ll help you find the a policy that suits your needs. We’ll ask for a few details about your business and the equipment that you’re looking to purchase cover for, then we’ll be able to give you a quote as to how much it’ll cost to protect those items. Once you’ve received a quote that you’re satisfied with, then all that’s needed is payment and your business equipment is covered. It’s business insurance made simple.

Q: What is commercial equipment insurance?

This is insurance that protects the equipment that’s most important to your business; from tools and machinery to laptops and printers. Find out more here.

Protect your equipment and compare prices from £4.74 a month*

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is business equipment and tools insurance?

When your business relies on valuable equipment and tools, having the right protection is essential. You can get business equipment insurance and tools insurance are designed to safeguard your business from financial loss if your equipment is damaged or stolen. Whether you work from a van or a fixed location, having business equipment cover could offer the peace of mind you need to keep your operations running smoothly.

Business equipment and tools insurance provides cover for essential equipment, ensuring it can be repaired or replaced if lost, stolen, or damaged. From power tools to mobile phones, this type of cover can protect the items your business depends on every day. Whether you’re a contractor, tradesperson, or run a small business, protecting your assets with insurance for work tools can help you avoid costly disruptions.

window fitter uses power tool to screw into a window frame

We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

How it works

3 simple steps to protect your business with the right insurance for you

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What can business equipment insurance cover ?

Business equipment cover is designed to protect a wide range of items, including:

Tools insurance cover

Whether you're a contractor or tradesperson, tools insurance can cover stolen tools or damage caused to them, to help you continue working without disruption.

Equipment cover

Protect essential business equipment such as mobile phones, laptops, and machinery. This cover can help to repair or replace your equipment quickly to minimise downtime.

Power tools cover

Power tools can be costly to replace. With power tools insurance, you could get protection if these valuable items are damaged or stolen.

Tools in transit insurance

If you frequently transport your tools between sites, tools in your van could be covered, ensuring protection even when you’re on the move.

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Simply Business have helped nearly 1 million businesses like yours get the right insurance cover.

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What are the benefits of business equipment and tools insurance

Every business is different, and that’s why business tools insurance can suit your specific needs. Whether you’re a sole trader or manage a team, having the right level of cover can help protect your tools and equipment wherever you are. From fixed locations to mobile operations, business tools cover can help you maintain continuity and avoid unexpected expenses.

Financial Protection: Cover the cost of replacing stolen tools or repairing damaged equipment.
Tools in Transit: You can cover your tools and equipment when they’re in your van or on the move.
Peace of Mind: Knowing your business assets are protected can allow you to focus without the worry of financial loss due to theft or damage.

Equipment and tools insurance FAQ's

If you have a question about your equipment and tools insurance, you might find the answer here in our FAQs.

What tools and equipment are covered under this policy?

How can I insure my business equipment?

What is commercial equipment insurance?

For more information on protecting your business, check out our FAQ's Hub

Additional information on equipment and tools insurance

Is business equipment insurance legally required?

While business equipment insurance isn’t legally required, it could protect your business from financial losses. If you have employees, employers' liability insurance is often legally required. Pairing business tools cover with other policies can help offer comprehensive protection for your business.

Why you may need business equipment and tools insurance

Losing or damaging tools can disrupt your business. Business tools insurance could cover repair or replacement costs, helping you avoid expensive bills and downtime. With business tools cover, you can protect your tools and keep your business running smoothly.

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Safeguard your business from financial risks including equipment and tools damage or theft, tools damaged in transit, plant insurance and much more.

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What is business equipment and tools insurance?