Contractor Tools Insurance UK

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Tools insurance protects your equipment against theft, loss and damage, one of the most common risks faced by contractors in the UK.

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What's Covered?

  • Theft from vans
  • On-site theft
  • Accidental damage

Why It's Important

Tool theft is one of the biggest risks contractors face in the UK, often leading to lost income and delays.

For a wider package that includes liability and other site risks, visit our contractor insurance page.

If you work under another contractor, you may also need subcontractor insurance.

If you are a sole trader, see our self-employed contractor insurance guide.

To protect against injury or damage claims, read more about contractor public liability insurance.

FREQUENTLY ASKED QUESTIONS

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What does contractor tools insurance cover?

It can cover theft, accidental damage and loss of tools depending on the policy wording.

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Does tools insurance cover theft from a van?

Many policies can include cover for theft from a locked vehicle, subject to insurer terms and security conditions.

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Can subcontractors insure their tools?

Yes. Subcontractors can arrange tools insurance for owned equipment used on-site and in transit.

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Can self-employed contractors get tools cover?

Yes. Self-employed contractors and sole traders can often add tools cover.

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Is tools insurance included in contractor insurance?

It can be included or added depending on the policy and insurer.

Related Tools & Equipment Guides

These guides help buyers separate van theft, site exposure, plant risk and wider contractor cover instead of trying to force every equipment problem into one policy section.

Working on Larger Projects?

For larger projects and infrastructure work, explore our specialist construction insurance solutions covering civil engineering, rail, highways and utilities contractors.

Tools and Equipment Cover

Contractors rely on tools and equipment, which can be lost, stolen or damaged. If tools, plant and site equipment are central to your operation, compare contractor tools insurance and contractor plant insurance.

Subcontractor Risk

Using subcontractors can increase liability exposure and may require additional insurance cover. Contractors working across multiple trades may also need contractor insurance.

Related Contractor Insurance

Cross-Cluster Links

For larger projects, see construction insurance. For tools and plant cover, compare contractor plant insurance. For wider commercial cover, see business insurance.

Related Contractor Insurance Pages