Abbott Insurance Kansas City

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8117 N Oak Trfy, Kansas City, MO 64118
1-090-1197-9528
office@ourbusiness.com

Commercial Equipment Insurance

Commercial equipment insurance is a smart choice for anyone who brings their equipment to different locations to get a job done.

From power tools to safety supplies, if it’s essential to your work, it’s essential to protect it.

Industries and professions that can benefit most include landscaping, construction, cleaning businesses, contractors, concrete and cement, plumbers, HVAC, janitorial services, electricians, and carpenters.

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Why is Commercial Equipment Insurance important?

Without the right commercial equipment insurance, you would have to pay entirely out of pocket to replace or repair your gear. But with tools and equipment insurance, you can get help paying for your essential gear.

You'll be covered if:

  • Your equipment is stolen from a trailer
  • Your tools are stolen from a job site
  • Someone damages your equipment

Who needs Commercial Equipment insurance?

A standard commercial property insurance policy won't cover tools in transit or equipment stored at a worksite. Moving items and storing them off-site is risky, so you may need additional coverage. Tools and equipment insurance is a smart choice for anyone who brings their own equipment to different locations to get a job done.

Industries and professions that can benefit most include landscaping, construction, cleaning businesses, contractors, concrete and cement, plumbers, HVAC, janitorial services, electricians, and carpenters.

Commonly Asked Questions

What does equipment insurance cover?

Commercial equipment insurance protects hand tools, power tools, machinery, and other equipment that moves from place to place. The items typically must be relatively new and inexpensive.

This policy can cover a variety of items and incidents, including the following:

  • Stolen tools
  • Broken or damaged equipment
  • Vandalism
  • Leased or rented items
What does contractor’s tools and equipment insurance not cover?

Contractor's tools and equipment insurance is ideal for businesses that operate on a small budget. However, it doesn't cover every instance of property damage, and it's not designed for certain types of equipment.

Here are a few examples of standard exclusions.

  • Wear and tear
  • Breakage or misuse
  • Older items
  • Expensive items
  • Vehicles

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