Products
Tools / Mobile property
Tools & Equipment / Inland Marine
Tools and equipment coverage, often handled through inland marine, is reviewed when business property moves between jobs, vehicles, storage, and customer locations.
Coverage
What it usually handles
- 01Scheduled or blanket coverage for tools, mobile equipment, and jobsite property.
- 02Transit, overnight storage, theft, and equipment value questions.
- 03Contractor and field-service exposures that property policies may not fully handle.
Triggers
When it comes up
- 01You carry tools between jobs or leave equipment at jobsites.
- 02A vehicle or storage loss would interrupt work.
- 03You use scheduled, rented, leased, or high-value equipment.
Quote file
Inputs carriers usually need
- 01Tool and equipment values, schedules, serial numbers, and storage locations.
- 02How equipment moves, where it is used, and where it is kept overnight.
- 03Loss history, security controls, and whether rented equipment is used.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.