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.