Tools & Equipment Insurance for Contractors (Inland Marine Coverage)

Your tools don’t stay in one place—and neither should your coverage.

At Calrisk, we help Southern California contractors protect their most essential gear with inland marine insurance policies built for jobsite reality. Whether your equipment is on the move, locked in a trailer, or left at a job overnight, we’ll help keep your investment covered.

Why Contractors Need Portable Coverage for Their Gear

Power tools, compressors, generators, ladders, lasers—contractors rely on thousands of dollars in equipment every day. But many don’t realize that standard property insurance usually only covers items at a fixed location, like a shop or warehouse.



That’s where inland marine insurance—often called Tools & Equipment Insurance—comes in.

This coverage travels with your gear. If your jobsite in Monrovia is hit by theft or your trailer is vandalized in Azusa, this policy helps you recover the cost of stolen or damaged items and get back to work without delay.

Covered losses can include:

• Theft (on or off-site, with some conditions)
  
• Vandalism or malicious mischief
  
• Fire and certain weather damage
  
• Accidental breakage (depending on policy)

If a thief breaks into your locked trailer and steals $15,000 worth of tools, your inland marine policy could cover the replacement costs (minus deductible)—so your crew can stay productive.

Coverage Options & How It’s Structured

We’ll help you decide what to schedule and how much blanket coverage you need. Some policies include sub-limits—for example, theft from an unattended vehicle might require visible signs of forced entry or specific security measures.



If your business also installs materials on-site, you may want to add an installation floater to protect those materials before they’re permanently installed. We’ll walk you through that too.

Reduce Theft Risk & Protect Your Investment

You can’t always prevent a loss, but insurers reward contractors who take security seriously. Using locked storage, tracking serial numbers, marking tools, and installing cameras at job sites can all reduce theft—and may even help you get better rates.

We don’t just write the policy—we help you think through ways to reduce risk in the first place.

Why Tool Coverage Belongs in Every Contractor’s Insurance Plan

Even a solo contractor might have $10K–$20K in gear in their truck. Lose that, and not only are you out of work—you’re out thousands of dollars. Tools & Equipment Insurance is typically very affordable compared to the value it protects.



In most cases, it can be bundled with your other policies, like Builder’s Risk or Commercial Property for broader coverage.

How Calrisk Helps Contractors Protect What They Rely On

We tailor every inland marine policy to fit your business. Whether you’re a drywall crew with racks of cordless tools or a grading company with heavy equipment on trailers, we’ll match you with coverage that follows your gear and makes claims easy.



What we offer:

• Fast quotes on portable equipment policies
  
• Guidance on how to value & schedule equipment
  
• Bundle discounts with other contractor coverages
  
• Advice on theft prevention and claim documentation
  

From jobsite trailers in the Valley to rolling toolboxes in Orange County, we’ve got you covered wherever the work takes you.

Take Inventory. Get Covered. Move Forward.

Not sure what gear is actually insured under your current policy? We’ll help you figure that out and fill in the gaps.



Contact Calrisk to get a quote on a tools & equipment policy—and make sure the gear you depend on is protected every day.