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If they are stolen, lost or damaged, this coverage will get you back to work fast by paying for replacements or repairs.</p>\r\n<p>Make sure your gear is protected all the time, everywhere — including in your vehicle, stored in a trailer or at a job site.</p>\r\n<p>Tools and equipment insurance is available as an add-on to our <a href=\"/general-liability-insurance/\">general liability insurance</a> for contractors and cleaning businesses.</p>\r\n<p>If you’re ready to move forward, <a href=\"https://app.nextinsurance.com/quote/get-started\">you can start a tools and equipment insurance quote today</a> and review your options online in about 10 minutes.</p>"}},{"@type":"Question","name":"Who needs Tools & Equipment insurance?","acceptedAnswer":{"@type":"Answer","text":"<p>Tools and equipment insurance is a smart choice for anyone who brings their own equipment to different locations in order to get a job done. </p>\r\n<p>Industries and professions that can benefit most include: landscaping, construction, cleaning businesses, contractors, concrete and cement, plumbers, HVAC, janitorial services, electricians and carpenters.</p>\r\n<p>Tools and equipment covered include: </p>\r\n<ul>\r\n <li>Sanding power tools</li>\r\n <li>Saws</li>\r\n <li>Laser levels</li>\r\n <li>Dust-control systems </li>\r\n <li>Ladders and workbenches </li>\r\n <li>Power drills </li>\r\n <li>Blowtorches</li>\r\n <li>CNC routers </li>\r\n <li>Oscillating multi-tools</li>\r\n <li>Concrete moisture meter</li>\r\n <li>Stand lights</li>\r\n <li>Hearing protection</li>\r\n <li>Helmets and safety gear</li>\r\n <li>Power tubing cutters</li>\r\n</ul>"}},{"@type":"Question","name":"Why is it important?","acceptedAnswer":{"@type":"Answer","text":"<p>Without the right 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. </p>\r\n<p>You’ll be covered if:</p>\r\n<h3>Your equipment is stolen from a trailer</h3>\r\n<p>You’re working on the road, and staying at a local motel during the job. Some scoundrel breaks into the trailer you’re towing and takes all of your tools in the middle of the night.</p>\r\n<h3>Your tools are stolen from a job site</h3>\r\n<p>It’s Friday, and you’re feeling fancy, so you take the crew out for a long lunch break. When you get back, you’re ready for a food coma but instead, you realize your on-site shed was broken into. A generator and half of your specialty tools are missing.</p>\r\n<h3>Someone damages your equipment</h3>\r\n<p>Your employee got sloppy and accidentally punctured your air compressor. 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data-cy="HeroModuleTitleContainer" class="css-1dap4qv esko5x812"><style data-emotion="css 500kt">.css-500kt{font-family:Sharp Sans Display No2,Avenir Next Condensed Heavy,Calibri,Trebuchet MS,sans-serif;font-size:11.733vw;font-weight:900;text-transform:uppercase;line-height:85%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;word-spacing:-0.1em;}@media (min-width: 640px){.css-500kt{font-size:5.729vw;}}@media (min-width: 1024px){.css-500kt{font-size:4.444vw;}}@media (min-width: 1920px){.css-500kt{font-size:64px;}}@media only screen and (min-width: 1920px){.css-500kt{word-spacing:-0.1em;}}</style><h1 type="h1-hero-sharp-sans" class="css-500kt e3r5m8y4">Tools & Equipment Insurance</h1></div><style data-emotion="css 13fo2mn">@media (min-width: 640px){.css-13fo2mn{width:50vw;}}@media (min-width: 1024px){.css-13fo2mn{width:55vw;}}@media (min-width: 1280px){.css-13fo2mn{width:52vw;}}@media 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Web,sans-serif;font-size:0.972vw;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 1280px){.css-cycsli{width:6vw;}}@media (max-width: 639px){.css-cycsli{font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-cycsli{font-size:2.083vw;}}@media (min-width: 2500px){.css-cycsli{font-size:20px;}}</style><span class="css-cycsli e85alft1">Rated 4.7/5</span><a href="/reviews/"><style data-emotion="css 1j738ad">.css-1j738ad{font-family:Graphik Web,sans-serif;font-size:3.733vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1j738ad{font-size:1.823vw;}}@media (min-width: 1024px){.css-1j738ad{font-size:1.111vw;}}@media (min-width: 1920px){.css-1j738ad{font-size:16px;}}</style><p type="body-text-sm" class="cursor-pointer css-1j738ad e3r5m8y1">(5056 reviews)</p></a></div></span></div></div><div ni-selector="2-icon_tiles_module" style="content-visibility:visible;contain-intrinsic-size:300px" id="icon-tiles"><style data-emotion="css l2nhqm">.css-l2nhqm{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:17.067vw 4.267vw;}@media (min-width: 640px){.css-l2nhqm{padding:7.813vw;}}@media (min-width: 1024px){.css-l2nhqm{padding:4.444vw;}}@media (min-width: 1920px){.css-l2nhqm{width:1700px;padding:64px;}}</style><div class="css-l2nhqm e8z6v5c5"><style data-emotion="css 1iwdu09">@media (min-width: 640px){.css-1iwdu09{padding-bottom:8.533vw;}}@media (min-width: 1024px){.css-1iwdu09{padding-bottom:2.778vw;}}@media (min-width: 1920px){.css-1iwdu09{padding-bottom:40px;}}</style><div class="css-1iwdu09 e8z6v5c4"><style data-emotion="css 1p4kj5a">.css-1p4kj5a{font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1p4kj5a{font-size:3.646vw;}}@media (min-width: 1024px){.css-1p4kj5a{font-size:2.778vw;}}@media (min-width: 1920px){.css-1p4kj5a{font-size:40px;}}</style><h2 role="IconTilesModuleTitle" class="css-1p4kj5a e8z6v5c0">From power tools to safety supplies, if it’s essential to your work, it’s essential to protect it.</h2></div><style data-emotion="css 5bb3nc">.css-5bb3nc{display:grid;grid-template-columns:repeat(1, minmax(0, 1fr));gap:6.400vw;padding-bottom:10.667vw;}@media (min-width: 640px){.css-5bb3nc{grid-template-columns:repeat(2, minmax(0, 1fr));gap:3.125vw;padding-bottom:3.125vw;}}@media (min-width: 1024px){.css-5bb3nc{grid-template-columns:repeat(3, minmax(0, 1fr));gap:1.667vw;padding-bottom:3.333vw;}}@media (min-width: 1920px){.css-5bb3nc{gap:24px;padding-bottom:48px;}}</style><div class="css-5bb3nc e8z6v5c3"><style data-emotion="css a6aaot">.css-a6aaot{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;border-radius:0.75rem;padding:32px;--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}@media (max-width: 639px){.css-a6aaot{width:100%;padding-bottom:40px;padding-left:32px;padding-right:32px;padding-top:24px;}}</style><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/DamagedEquipment.svg" alt="Damaged equipment" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><style data-emotion="css 1y1nl5g">.css-1y1nl5g{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1y1nl5g{font-size:3.646vw;}}@media (min-width: 1024px){.css-1y1nl5g{font-size:2.778vw;}}@media (min-width: 1920px){.css-1y1nl5g{font-size:40px;}}</style><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Damaged equipment</h3><style data-emotion="css 1fqwwkt">.css-1fqwwkt{font-family:Graphik Web,sans-serif;font-size:4.267vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1fqwwkt{font-size:2.083vw;}}@media (min-width: 1024px){.css-1fqwwkt{font-size:1.389vw;}}@media (min-width: 1920px){.css-1fqwwkt{font-size:20px;}}</style><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">Gone too soon — the pump on your pressure washer gives out five days after the warranty expires.</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/StolenTools.svg" alt="Stolen tools" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Stolen tools</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">You treat your crew to lunch, but come back to a trailer full of missing tools. Karma fail!</p></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/BorrowedGear.svg" alt="Borrowed gear" width="96" height="96" loading="eager" fetchpriority="auto"/></picture><h3 type="h3-titles-alpina-lg" class="pt-4 pb-4 css-1y1nl5g e3r5m8y2" role="SingleIconTileTitle">Borrowed gear</h3><p type="body-text" role="SingleIconTileText" class="css-1fqwwkt e3r5m8y1">A compressor you borrowed from another contractor explodes out of nowhere.</p></div></div><div class="css-zigog8 e8z6v5c1"><div><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><style data-emotion="css 17uiwer">.css-17uiwer{cursor:pointer;white-space:nowrap;font-family:Graphik 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639px){.css-1bn6ei5{padding-left:4.267vw;padding-right:4.267vw;padding-top:8.533vw;padding-bottom:8.533vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1bn6ei5{padding-left:7vw;padding-right:7vw;padding-top:7.813vw;padding-bottom:7.813vw;}}@media (min-width: 1920px){.css-1bn6ei5{margin-left:auto;margin-right:auto;width:1700px;}}@media (min-width: 2500px){.css-1bn6ei5{padding-left:0px;padding-right:0px;padding-top:5rem;}}</style><div class="css-1bn6ei5 e1n7sr569"><style data-emotion="css bw4age">.css-bw4age{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;text-align:center;font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-bw4age{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;font-size:3.646vw;}}@media (min-width: 1024px){.css-bw4age{font-size:2.778vw;}}@media (min-width: 1920px){.css-bw4age{font-size:40px;}}</style><div class="css-bw4age e1n7sr568"><style data-emotion="css 83gwoi">.css-83gwoi{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-83gwoi{font-size:3.646vw;}}@media (min-width: 1024px){.css-83gwoi{font-size:2.778vw;}}@media (min-width: 1920px){.css-83gwoi{font-size:40px;}}</style><h2 type="h2-titles-alpina-reg" class="ml-0 w-full antialiased text-left sm:w-8/12 css-83gwoi e3r5m8y3" role="title">Here’s everything you need to know about Tools & Equipment insurance:</h2><style data-emotion="css hhddhq">.css-hhddhq{margin-right:0px;width:90%;}@media (min-width: 640px){.css-hhddhq{margin-right:5rem;width:16.250vw;}}</style><div class="css-hhddhq e1n7sr567"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/05/qa-illustration.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2022/05/qa-illustration.png" role="image" alt="QA" loading="lazy" fetchpriority="auto"/></picture></div></div><style data-emotion="css iculqz">.css-iculqz{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div class="css-iculqz e1n7sr564"><style data-emotion="css 4rwwzd">.css-4rwwzd{margin-bottom:1.944vw;border-radius:38px;border-width:1px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:background-color;transition-timing-function:cubic-bezier(0.4, 0, 0.2, 1);transition-duration:200ms;}.css-4rwwzd:hover{--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-4rwwzd{padding:3.125vw 3.125vw 3.125vw 4.167vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-4rwwzd{border-radius:36px;padding:2.778vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-4rwwzd{font-size:20px;}}.css-4rwwzd:hover{--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}</style><div role="question-0" data-cy="FAQQuestion-0" class="css-4rwwzd e1n7sr561"><style data-emotion="css fuh4mq">.css-fuh4mq{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;}@media (min-width: 640px){.css-fuh4mq{margin-right:0.5rem;}}</style><div class="css-fuh4mq e1n7sr563"><style data-emotion="css 1vmveuw">.css-1vmveuw{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1vmveuw{font-size:3.646vw;}}@media (min-width: 1024px){.css-1vmveuw{font-size:1.944vw;}}@media (min-width: 1920px){.css-1vmveuw{font-size:28px;}}</style><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-0">What is Tools & Equipment insurance?</h2><style data-emotion="css v8s5na">.css-v8s5na{height:3vw;width:3vw;--tw-rotate:45deg;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) 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.bg-color-sky_25 img{background-color:#e5feff;}.css-1vhugkq .bg-color-sky_25 .wp-block-quote::before{color:#e5feff;}.css-1vhugkq .bg-color-pink img{background-color:#ff32a0;}.css-1vhugkq .bg-color-pink .wp-block-quote::before{color:#ff32a0;}.css-1vhugkq .bg-color-rose img{background-color:#ff0047;}.css-1vhugkq .bg-color-rose .wp-block-quote::before{color:#ff0047;}.css-1vhugkq .bg-color-green img{background-color:#00e650;}.css-1vhugkq .bg-color-green .wp-block-quote::before{color:#00e650;}.css-1vhugkq .bg-color-springGreen img{background-color:#c2ffab;}.css-1vhugkq .bg-color-springGreen .wp-block-quote::before{color:#c2ffab;}.css-1vhugkq .bg-color-orange img{background-color:#ff4100;}.css-1vhugkq .bg-color-orange .wp-block-quote::before{color:#ff4100;}.css-1vhugkq .bg-color-yellow img{background-color:#dcf000;}.css-1vhugkq .bg-color-yellow .wp-block-quote::before{color:#dcf000;}.css-1vhugkq .bg-color-lemonYellow img{background-color:#ffff5e;}.css-1vhugkq .bg-color-lemonYellow .wp-block-quote::before{color:#ffff5e;}.css-1vhugkq .bg-color-lightLemonYellow img{background-color:#ffffd7;}.css-1vhugkq .bg-color-lightLemonYellow .wp-block-quote::before{color:#ffffd7;}.css-1vhugkq .bg-color-violet img{background-color:#ac00e7;}.css-1vhugkq .bg-color-violet .wp-block-quote::before{color:#ac00e7;}.css-1vhugkq .bg-color-gold img{background-color:#ed9100;}.css-1vhugkq .bg-color-gold .wp-block-quote::before{color:#ed9100;}.css-1vhugkq .bg-color-jade img{background-color:#009e73;}.css-1vhugkq .bg-color-jade .wp-block-quote::before{color:#009e73;}.css-1vhugkq .bg-color-peach img{background-color:#ffd2b9;}.css-1vhugkq .bg-color-peach .wp-block-quote::before{color:#ffd2b9;}.css-1vhugkq .bg-color-lavender img{background-color:#dccbff;}.css-1vhugkq .bg-color-lavender .wp-block-quote::before{color:#dccbff;}</style><div class="css-1vhugkq eta8xj40"><p>Your tools and equipment are essential to running your business. If they are stolen, lost or damaged, this coverage will get you back to work fast by paying for replacements or repairs.</p> <p>Make sure your gear is protected all the time, everywhere — including in your vehicle, stored in a trailer or at a job site.</p> <p>Tools and equipment insurance is available as an add-on to our <a href="/general-liability-insurance/">general liability insurance</a> for contractors and cleaning businesses.</p> <p>If you’re ready to move forward, <a href="https://app.nextinsurance.com/quote/get-started">you can start a tools and equipment insurance quote today</a> and review your options online in about 10 minutes.</p></div></div></div><style data-emotion="css tj8q2e">.css-tj8q2e{margin-bottom:1.944vw;border-radius:38px;border-width:1px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;font-family:Graphik 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40h1vz">.css-40h1vz{height:3vw;width:3vw;--tw-rotate:45deg;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-ms-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;border-width:1px;border-left-width:0px;border-top-width:0px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));transition-duration:300ms;--tw-content:'';content:var(--tw-content);}@media (min-width: 640px){.css-40h1vz{height:2vw;width:2vw;}}@media (min-width: 1024px){.css-40h1vz{height:1.389vw;width:1.389vw;}}</style><button aria-expanded="false" aria-label="Who needs Tools & Equipment insurance?" class="css-40h1vz e1e1z7qj0"></button></div><style data-emotion="css 8ihxmv">.css-8ihxmv{max-height:0px;overflow:hidden;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:max-height,margin-top;transition-timing-function:cubic-bezier(0, 0, 0.2, 1);transition-duration:500ms;}@media (min-width: 640px){.css-8ihxmv{font-size:2.083vw;}}@media (min-width: 1024px){.css-8ihxmv{font-size:1.389vw;}}@media (min-width: 1920px){.css-8ihxmv{font-size:20px;}}</style><div role="c-1" data-cy="questionContent-1" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>Tools and equipment insurance is a smart choice for anyone who brings their own equipment to different locations in order to get a job done. </p> <p>Industries and professions that can benefit most include: landscaping, construction, cleaning businesses, contractors, concrete and cement, plumbers, HVAC, janitorial services, electricians and carpenters.</p> <p>Tools and equipment covered include: </p> <ul> <li>Sanding power tools</li> <li>Saws</li> <li>Laser levels</li> <li>Dust-control systems </li> <li>Ladders and workbenches </li> <li>Power drills </li> <li>Blowtorches</li> <li>CNC routers </li> <li>Oscillating multi-tools</li> <li>Concrete moisture meter</li> <li>Stand lights</li> <li>Hearing protection</li> <li>Helmets and safety gear</li> <li>Power tubing cutters</li> </ul></div></div></div><div role="question-2" data-cy="FAQQuestion-2" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-2">Why is it important?</h2><button aria-expanded="false" aria-label="Why is it important?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-2" data-cy="questionContent-2" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>Without the right 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. </p> <p>You’ll be covered if:</p> <h3>Your equipment is stolen from a trailer</h3> <p>You’re working on the road, and staying at a local motel during the job. Some scoundrel breaks into the trailer you’re towing and takes all of your tools in the middle of the night.</p> <h3>Your tools are stolen from a job site</h3> <p>It’s Friday, and you’re feeling fancy, so you take the crew out for a long lunch break. When you get back, you’re ready for a food coma but instead, you realize your on-site shed was broken into. A generator and half of your specialty tools are missing.</p> <h3>Someone damages your equipment</h3> <p>Your employee got sloppy and accidentally punctured your air compressor. You’ll need to get a replacement before you can continue your project.</p></div></div></div><div role="question-3" data-cy="FAQQuestion-3" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-3">What does Tools & Equipment insurance cover?</h2><button aria-expanded="false" aria-label="What does Tools & Equipment insurance cover?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-3" data-cy="questionContent-3" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>Tools and equipment insurance provides financial help to protect equipment owned by you and employee tools or clothing. It can even protect borrowed equipment when you choose Select Pro or Pro Plus coverage. </p> <h3>Equipment owned by you</h3> <p>Your generator is stolen from your storage space and you need a replacement.</p> <h3>Employee tools and clothing</h3> <p>Your employee’s electric power tools are damaged by a leak at a job site and need to be replaced.</p> <h3>Borrowed equipment</h3> <p>A compressor that you borrowed from another contractor explodes and needs to be replaced. (Note: This coverage is not offered with our basic coverage. Select Pro or Pro Plus.)</p> <p>While general liability protects your business from expenses related to damaged property that belongs to someone else, your own tools and equipment would not be covered unless you have tools and equipment insurance.</p></div></div></div><div role="question-4" data-cy="FAQQuestion-4" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-4">What isn’t covered?</h2><button aria-expanded="false" aria-label="What isn’t covered?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-4" data-cy="questionContent-4" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>Tools and equipment insurance covers a lot — but it won’t provide coverage for corrosion, rust, wear and tear or rental equipment. If you do plan to rent equipment from someone else, you may want to opt for insurance through the rental company. </p> <p>There are certain instances where tools and equipment insurance won’t provide coverage, including:</p> <h3>Corrosion, rust or wear and tear</h3> <p>Your power cutter has been with you from the beginning, but it’s rusted to the point that it is no longer usable. Because the damage is related to the rust, it wouldn’t be covered by your policy.</p> <h3>Equipment you rent from someone else</h3> <p>You need a wood chipper for a last-minute landscaping job at a local university. Your NEXT policy won’t cover rentals, so you might want to opt for rental insurance from the company where you rent the chipper.</p></div></div></div><div role="question-5" data-cy="FAQQuestion-5" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-5">How much does it cost?</h2><button aria-expanded="false" aria-label="How much does it cost?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-5" data-cy="questionContent-5" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>Tools and equipment insurance is offered as an addition to our general liability insurance policy. Simply select the coverage level that’s right for your business when you <a href="https://app.nextinsurance.com/quote/get-started">apply for a quote online</a>.</p> <p>Basic tools and equipment coverage can start at $12.50 a month. A Pro policy starts at $24.20 a month, or choose a Pro Plus policy for $45 month.</p> </div></div></div><div role="question-6" data-cy="FAQQuestion-6" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-6">How do I get Tools & Equipment insurance?</h2><button aria-expanded="false" aria-label="How do I get Tools & Equipment insurance?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-6" data-cy="questionContent-6" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40"><p>With NEXT, you can purchase tools and equipment coverage online and get your certificate of insurance 10 minutes, or less. </p> <p><a href="https://app.nextinsurance.com/quote/get-started">Start an instant quote to see options</a> for your business. Here’s how the process works:</p> <p>We’ll ask you some basic questions about your business and operations, including: </p> <ul> <li>Your industry</li> <li>Where you do business</li> <li>How many years you have owned the business</li> <li>Number of employees</li> <li>Expected annual revenue</li> <li>Recent insurance and claims history</li> </ul> <p>After you share your information, you’ll have instant access to a customized insurance quote for E&O and other recommended coverage. </p> <p>If you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance.</p> <p><a href="https://app.nextinsurance.com/quote/get-started">Start a free instant quote today</a>.</p></div></div></div></div></div></div></div><div ni-selector="4-love_next_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="love-next"><style data-emotion="css 10ik3r8">.css-10ik3r8{--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}</style><div class="css-10ik3r8 e16e0dun4"><style data-emotion="css nqy23w">.css-nqy23w{box-sizing:border-box;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;justify-items:center;padding:5.556vw 5.556vw;font-family:GT 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8znd2d">.css-8znd2d{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:33%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (max-width: 639px){.css-8znd2d{margin-bottom:25px;height:auto;width:80vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-8znd2d{height:auto;width:100%;}}</style><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-blue-orange.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-blue-orange.png" role="step-image" alt="Business insurance in less than 10 minutes" loading="lazy" fetchpriority="auto"/></picture><style data-emotion="css 1ic5swl">.css-1ic5swl{margin-top:0px;width:80%;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:700;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1ic5swl{font-size:2.083vw;}}@media (min-width: 1024px){.css-1ic5swl{font-size:1.389vw;}}@media (max-width: 639px){.css-1ic5swl{margin-top:1vw;width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ic5swl{width:100%;}}@media (min-width: 1920px){.css-1ic5swl{font-size:20px;}}</style><p role="step-text" class="css-1ic5swl e1eatrrb1">Get insurance in less than 10 minutes and you can save up to 25% in discounts*</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/dedicated-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/dedicated-2.png" role="step-image" alt="Tailored business insurance" loading="lazy" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Unique, flexible coverage with easy monthly payments</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/laptop-blue-orange.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/laptop-blue-orange.png" role="step-image" alt="Get business insurance online" loading="lazy" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Do it all 100% online or talk to a licensed U.S.-based advisor</p></div></div><div class="tablet:mt-8 tablet:mb-6 mobile:mt-6 mobile:mb-8"><div><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></span></div></div><div ni-selector="5-coi_module" 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srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png" role="coiImage" alt="Next Insurance, small business insurance" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css r1fjic">.css-r1fjic{padding-bottom:1rem;}@media (min-width: 640px){.css-r1fjic{height:var(--smInnerContainerHeight);padding-bottom:0px;padding-left:var(--smLeftDistanceFromContent);}}@media (min-width: 768px){.css-r1fjic{height:var(--mdInnerContainerHeight);padding-bottom:0px;padding-left:var(--mdLeftDistanceFromContent);}}@media (min-width: 1280px){.css-r1fjic{height:var(--xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--xlLeftDistanceFromContent);}}@media (min-width: 1920px){.css-r1fjic{margin-left:3vw;height:var(--3xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--3xlLeftDistanceFromContent);}}</style><div class="css-r1fjic e1edndzz4"><style data-emotion="css mla2hv">.css-mla2hv{font-family:GT Alpina,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));padding-left:0.5rem;padding-right:0.5rem;text-align:center;font-size:10vw;line-height:11vw;}@media (min-width: 640px){.css-mla2hv{padding-left:0px;padding-right:3vw;padding-top:2vw;text-align:left;font-size:4.5vw;line-height:1;}}@media (min-width: 768px){.css-mla2hv{padding-right:10vw;padding-top:2.5vw;font-size:4.7vw;}}@media (min-width: 1024px){.css-mla2hv{font-size:4.5vw;}}@media (min-width: 1280px){.css-mla2hv{padding-top:3vw;font-size:4.5vw;}}@media (min-width: 1536px){.css-mla2hv{padding-right:15vw;padding-top:3vw;font-size:4.1vw;}}@media (min-width: 1920px){.css-mla2hv{padding-right:70px;padding-top:50px;font-size:80px;}}</style><div role="coiTitle" class="css-mla2hv e1edndzz3">Coverage on-the-go for policyholders</div><style data-emotion="css nu3i23">.css-nu3i23{font-family:Graphik Web,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));margin-top:1.5rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;text-align:center;font-size:4vw;line-height:5vw;}@media (min-width: 640px){.css-nu3i23{margin-top:3vw;-webkit-flex:none;-ms-flex:none;flex:none;padding-right:13vw;text-align:left;font-size:1.9vw;line-height:1;}}@media (min-width: 768px){.css-nu3i23{margin-top:2vw;font-size:1.8vw;}}@media (min-width: 1280px){.css-nu3i23{margin-top:2vw;padding-right:15vw;font-size:2vw;}}@media (min-width: 1536px){.css-nu3i23{margin-top:2vw;padding-right:20vw;font-size:1.7vw;}}@media (min-width: 1920px){.css-nu3i23{margin-top:30px;padding-right:90px;font-size:35px;}}</style><div class="css-nu3i23 e1edndzz2"><style data-emotion="css 1mi85kb">.css-1mi85kb{width:75%;}@media (min-width: 640px){.css-1mi85kb{width:100%;}}</style><div role="coiSubtitle" class="css-1mi85kb e1edndzz1">Manage your policies, send and create certificates of insurance, or file a claim with our app.</div></div><style data-emotion="css 5ivtmu">.css-5ivtmu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;padding-left:0.5rem;padding-right:0.5rem;padding-top:1.25rem;}@media (min-width: 640px){.css-5ivtmu{margin-right:1vw;margin-top:2.5vw;width:35vw;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:0px;padding-right:0px;padding-top:0px;}}@media (min-width: 768px){.css-5ivtmu{margin-top:2.3vw;width:30vw;}}@media (min-width: 1024px){.css-5ivtmu{margin-top:3vw;}}@media (min-width: 1280px){.css-5ivtmu{margin-top:3vw;width:30vw;}}@media (min-width: 1536px){.css-5ivtmu{margin-top:3vw;width:25vw;}}@media (min-width: 1920px){.css-5ivtmu{margin-top:60px;width:500px;}}</style><div class="css-5ivtmu e1edndzz0"><style data-emotion="css gqfhor">.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (min-width: 640px){.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;row-gap:0px;}}</style><div class="css-gqfhor efb2vk0"><a data-cy="appleStoreLink" href="https://apps.apple.com/us/app/next-insurance/id1580721755"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/AppStore.svg" alt="Download from app store" class="tablet:h-12" loading="lazy" fetchpriority="auto"/></picture></a><a data-cy="googlePlayLink" href="https://play.google.com/store/apps/details?id=com.nextinsurance"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/GooglePlay.svg" alt="Download from google play" class="tablet:h-12" loading="lazy" fetchpriority="auto"/></picture></a></div></div></div></div></div></div></div></div></div><div ni-selector="6-lob_cards_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="lob-cards"><style data-emotion="css 16ff19z">.css-16ff19z{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;padding-left:4.266vw;padding-right:4.266vw;padding-top:8.533vw;padding-bottom:8.533vw;}@media (min-width: 640px){.css-16ff19z{padding-left:2rem;padding-right:2rem;padding-top:5.208vw;padding-bottom:5.208vw;}}@media (min-width: 1024px){.css-16ff19z{padding-top:5.555vw;padding-bottom:5.555vw;}}@media (min-width: 1536px){.css-16ff19z{width:1700px;padding-top:80px;padding-bottom:80px;}}</style><div class="css-16ff19z e19plrtj4"><style data-emotion="css 8vejte">.css-8vejte{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:1.5rem;}@media (min-width: 640px){.css-8vejte{row-gap:2rem;}}@media (min-width: 1024px){.css-8vejte{width:52vw;}}@media (min-width: 1280px){.css-8vejte{row-gap:3rem;}}@media (min-width: 1536px){.css-8vejte{width:45vw;}}@media (min-width: 1920px){.css-8vejte{width:950px;}}</style><div class="css-8vejte e19plrtj3"><style data-emotion="css svp3zm">.css-svp3zm{text-align:center;font-family:GT Alpina,sans-serif;font-size:5.866vw;font-weight:400;line-height:102%;letter-spacing:-0.176vw;}@media (min-width: 640px){.css-svp3zm{font-size:4.166vw;letter-spacing:-0.085vw;}}@media (min-width: 1024px){.css-svp3zm{font-size:64px;letter-spacing:-0.045vw;}}@media (min-width: 1536px){.css-svp3zm{letter-spacing:-0.66px;}}</style><div class="css-svp3zm e19plrtj2">Let’s find the coverage you need for your business</div><style data-emotion="css 1id6edl">.css-1id6edl{text-align:center;font-family:Graphik Web,sans-serif;font-size:4.266vw;font-weight:400;line-height:115%;letter-spacing:-0.042vw;}@media (min-width: 640px){.css-1id6edl{font-size:2.343vw;letter-spacing:-0.023vw;}}@media (min-width: 1024px){.css-1id6edl{font-size:1.527vw;letter-spacing:-0.015vw;}}@media (min-width: 1536px){.css-1id6edl{font-size:22px;letter-spacing:-0.22px;}}</style><div class="css-1id6edl e19plrtj0">Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.</div></div><style data-emotion="css axpily">.css-axpily{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding-top:1.5rem;}@media (min-width: 640px){.css-axpily{-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;-webkit-column-gap:2vw;column-gap:2vw;}}@media (min-width: 1024px){.css-axpily{-webkit-column-gap:1vw;column-gap:1vw;padding-bottom:3rem;padding-top:3rem;}}</style><div class="css-axpily e19plrtj1"><style data-emotion="css kybglb">.css-kybglb{margin-bottom:6.4vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:auto;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;overflow:hidden;border-radius:0.5rem;border-width:1px;--tw-border-opacity:1;border-color:rgb(209 211 212 / var(--tw-border-opacity));padding:3.2vw 3.2vw 6.4vw;}@media (min-width: 640px){.css-kybglb{margin-bottom:2.604vw;width:44.27vw;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding:2.083vw 2.083vw 3.125vw;}}@media (min-width: 1024px){.css-kybglb{margin-bottom:0.833vw;width:19.688vw;border-radius:0.75rem;padding:1.388vw 1.388vw 2.222vw;}}@media (min-width: 1920px){.css-kybglb{margin-bottom:12px;width:388px;padding-left:20px 20px 32px;padding-right:20px 20px 32px;}}</style><div class="css-kybglb ej4eix26"><style data-emotion="css 1uqladh">.css-1uqladh{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1uqladh{height:18.619vw;}}@media (min-width: 1024px){.css-1uqladh{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1uqladh{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1uqladh{height:143px;}}</style><div class="css-1uqladh ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-general-liability-black-white-3.png" alt="General Liability insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css s6bshl">.css-s6bshl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}</style><div class="css-s6bshl ej4eix23"><style data-emotion="css mfl8nj">.css-mfl8nj{-webkit-align-self:flex-start;-ms-flex-item-align:flex-start;align-self:flex-start;}@media (min-width: 640px){.css-mfl8nj{padding-left:0.25rem;padding-right:0.25rem;padding-top:0.25rem;padding-bottom:0.25rem;}}@media (min-width: 768px){.css-mfl8nj{padding-top:0.5rem;padding-bottom:0.5rem;}}@media (min-width: 1024px){.css-mfl8nj{--tw-translate-y:-0.5rem;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-ms-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));padding-top:0.25rem;padding-bottom:0.25rem;}}@media (min-width: 1280px){.css-mfl8nj{padding-top:0.5rem;padding-bottom:0.5rem;}}</style><div class="css-mfl8nj ej4eix24"><style data-emotion="css zjfrvp">.css-zjfrvp{padding-top:4.267vw;font-family:GT Alpina,sans-serif;font-size:5.867vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-zjfrvp{padding-top:2.083vw;font-size:2.865vw;}}@media (min-width: 1024px){.css-zjfrvp{padding-top:1.111vw;font-size:1.528vw;}}@media (min-width: 1536px){.css-zjfrvp{padding-top:16px;}}@media (min-width: 1920px){.css-zjfrvp{font-size:22px;}}</style><div role="lobTitle" class="css-zjfrvp ej4eix22">General Liability</div></div><style data-emotion="css e6n0o8">.css-e6n0o8{padding-top:2.933vw;padding-bottom:2.933vw;font-family:Graphik Web,sans-serif;font-size:4.266vw;font-weight:400;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-e6n0o8{padding-top:1.432vw;padding-bottom:1.432vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-e6n0o8{padding-top:0px;font-size:1.111vw;}}@media (min-width: 1920px){.css-e6n0o8{font-size:16px;}}</style><div class="css-e6n0o8 ej4eix21">Protect yourself from accidents that cause physical injury or damaged property.</div><style data-emotion="css 8ymnw4">.css-8ymnw4{margin-top:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;cursor:pointer;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;border-radius:50px;border-width:1px;--tw-border-opacity:1;border-color:rgb(0 0 0 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding-left:2.5rem;padding-right:2.5rem;padding-top:0.75rem;padding-bottom:0.75rem;font-size:18.72px;transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:linear;transition-duration:150ms;}.css-8ymnw4:hover{--tw-bg-opacity:1;background-color:rgb(0 0 0 / var(--tw-bg-opacity));--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));}@media (min-width: 640px){.css-8ymnw4{width:50%;padding-left:1rem;padding-right:1rem;padding-top:0.5rem;padding-bottom:0.5rem;font-size:0.875rem;}}@media (min-width: 768px){.css-8ymnw4{width:76%;font-size:1.2rem;}}@media (min-width: 1280px){.css-8ymnw4{padding-left:2rem;padding-right:2rem;padding-top:0.75rem;padding-bottom:0.75rem;}}</style><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/general-liability-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css d2htz2">.css-d2htz2{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-d2htz2{height:18.619vw;}}@media (min-width: 1024px){.css-d2htz2{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-d2htz2{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-d2htz2{height:143px;}}</style><div class="css-d2htz2 ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-errors-omissions-black-white-1.png" alt="Professional Liability or Error and Omissions Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Professional Liability/E&O</div></div><div class="css-e6n0o8 ej4eix21">Shield yourself from lawsuits that claim your work errors caused financial losses.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/errors-and-omissions-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 1ijj52p">.css-1ijj52p{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(255 50 160 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1ijj52p{height:18.619vw;}}@media (min-width: 1024px){.css-1ijj52p{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ijj52p{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1ijj52p{height:143px;}}</style><div class="css-1ijj52p ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png" alt="Workers' Compensation Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Workers’ Compensation</div></div><div class="css-e6n0o8 ej4eix21">Cover medical bills and lost wages if your employees have an accident at work.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/workers-compensation-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 114nkkz">.css-114nkkz{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(255 65 0 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-114nkkz{height:18.619vw;}}@media (min-width: 1024px){.css-114nkkz{height:9.93vw;}}@media (min-width: 640px) and (max-width: 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Auto</div></div><div class="css-e6n0o8 ej4eix21">Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/commercial-auto-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 1acyvz8">.css-1acyvz8{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(220 240 0 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1acyvz8{height:18.619vw;}}@media (min-width: 1024px){.css-1acyvz8{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1acyvz8{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1acyvz8{height:143px;}}</style><div class="css-1acyvz8 ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png" alt="Tools & Equipment Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Tools & Equipment</div></div><div class="css-e6n0o8 ej4eix21">Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/tools-and-equipment-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css 1lh82uf">.css-1lh82uf{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(172 0 231 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1lh82uf{height:18.619vw;}}@media (min-width: 1024px){.css-1lh82uf{height:9.93vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1lh82uf{padding-left:0.5rem;padding-right:0.5rem;}}@media (min-width: 1920px){.css-1lh82uf{height:143px;}}</style><div class="css-1lh82uf ej4eix25"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png" alt="Commercial Property Insurance" height="64" class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Commercial Property</div></div><div class="css-e6n0o8 ej4eix21">Keep your building, inventory and equipment protected from fire or water damage.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/commercial-property-insurance/">Learn More</a></div></div></div><div class="css-kybglb ej4eix26"><style data-emotion="css qp5tj9">.css-qp5tj9{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:38.133vw;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;--tw-bg-opacity:1;background-color:rgb(237 145 0 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class="mobile:p-2 tablet:p-2.5 w-1/2 sm:w-1/2 lg:w-2/3 h-auto lg:p-2.5 2xl:p-8 m-auto" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-s6bshl ej4eix23"><div class="css-mfl8nj ej4eix24"><div role="lobTitle" class="css-zjfrvp ej4eix22">Business Owner’s Policy</div></div><div class="css-e6n0o8 ej4eix21">Combine general liability and commercial property into one policy to protect your business.</div><div role="learnMoreButton" class="css-8ymnw4 ej4eix20"><a title="" style="display:flex;gap:0.25rem" href="https://www.nextinsurance.com/business-owners-policy/">Learn More</a></div></div></div></div></div></div><div ni-selector="7-disclaimer_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="disclaimer"><style data-emotion="css adcvg6">.css-adcvg6{margin:auto;-webkit-align-self:auto;-ms-flex-item-align:auto;align-self:auto;overflow-wrap:break-word;padding:30px;}@media (min-width: 1280px){.css-adcvg6{width:1000px;}}</style><div class="css-adcvg6 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expires.","bgColor":"sky_25","icon":"https://www.nextinsurance.com/wp-content/uploads/2021/08/DamagedEquipment.svg"},{"title":"Stolen tools","text":"You treat your crew to lunch, but come back to a trailer full of missing tools. Karma fail!","bgColor":"sky_25","icon":"https://www.nextinsurance.com/wp-content/uploads/2021/08/StolenTools.svg"},{"title":"Borrowed gear","text":"A compressor you borrowed from another contractor explodes out of nowhere.","bgColor":"sky_25","icon":"https://www.nextinsurance.com/wp-content/uploads/2021/08/BorrowedGear.svg"}],"displayCtaButton":true,"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90001","buttonBgColor":"Blue"},"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"faq_module","displayModule":true,"faq_choose_header":"title_image","faq_title":"Here’s everything you need to know about Tools \u0026 Equipment insurance:","faq_image":"https://www.nextinsurance.com/wp-content/uploads/2022/05/qa-illustration.png","faq_image_alt":"QA","faq_description":"","faq_short_description":"","faq_open_questions":"1","bgColor":"sky_50","faq_manually_questions":[{"post_title":"What is Tools \u0026 Equipment insurance?","post_content":"\u003cp\u003eYour tools and equipment are essential to running your business. If they are stolen, lost or damaged, this coverage will get you back to work fast by paying for replacements or repairs.\u003c/p\u003e\r\n\u003cp\u003eMake sure your gear is protected all the time, everywhere — including in your vehicle, stored in a trailer or at a job site.\u003c/p\u003e\r\n\u003cp\u003eTools and equipment insurance is available as an add-on to our \u003ca href=\"/general-liability-insurance/\"\u003egeneral liability insurance\u003c/a\u003e for contractors and cleaning businesses.\u003c/p\u003e\r\n\u003cp\u003eIf you\u0026rsquo;re ready to move forward, \u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eyou can start a tools and equipment insurance quote today\u003c/a\u003e and review your options online in about 10 minutes.\u003c/p\u003e"},{"post_title":"Who needs Tools \u0026 Equipment insurance?","post_content":"\u003cp\u003eTools and equipment insurance is a smart choice for anyone who brings their own equipment to different locations in order to get a job done. \u003c/p\u003e\r\n\u003cp\u003eIndustries and professions that can benefit most include: landscaping, construction, cleaning businesses, contractors, concrete and cement, plumbers, HVAC, janitorial services, electricians and carpenters.\u003c/p\u003e\r\n\u003cp\u003eTools and equipment covered include: \u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eSanding power tools\u003c/li\u003e\r\n \u003cli\u003eSaws\u003c/li\u003e\r\n \u003cli\u003eLaser levels\u003c/li\u003e\r\n \u003cli\u003eDust-control systems \u003c/li\u003e\r\n \u003cli\u003eLadders and workbenches \u003c/li\u003e\r\n \u003cli\u003ePower drills \u003c/li\u003e\r\n \u003cli\u003eBlowtorches\u003c/li\u003e\r\n \u003cli\u003eCNC routers \u003c/li\u003e\r\n \u003cli\u003eOscillating multi-tools\u003c/li\u003e\r\n \u003cli\u003eConcrete moisture meter\u003c/li\u003e\r\n \u003cli\u003eStand lights\u003c/li\u003e\r\n \u003cli\u003eHearing protection\u003c/li\u003e\r\n \u003cli\u003eHelmets and safety gear\u003c/li\u003e\r\n \u003cli\u003ePower tubing cutters\u003c/li\u003e\r\n\u003c/ul\u003e"},{"post_title":"Why is it important?","post_content":"\u003cp\u003eWithout the right 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. \u003c/p\u003e\r\n\u003cp\u003eYou\u0026rsquo;ll be covered if:\u003c/p\u003e\r\n\u003ch3\u003eYour equipment is stolen from a trailer\u003c/h3\u003e\r\n\u003cp\u003eYou\u0026rsquo;re working on the road, and staying at a local motel during the job. Some scoundrel breaks into the trailer you\u0026rsquo;re towing and takes all of your tools in the middle of the night.\u003c/p\u003e\r\n\u003ch3\u003eYour tools are stolen from a job site\u003c/h3\u003e\r\n\u003cp\u003eIt\u0026rsquo;s Friday, and you\u0026rsquo;re feeling fancy, so you take the crew out for a long lunch break. When you get back, you\u0026rsquo;re ready for a food coma but instead, you realize your on-site shed was broken into. A generator and half of your specialty tools are missing.\u003c/p\u003e\r\n\u003ch3\u003eSomeone damages your equipment\u003c/h3\u003e\r\n\u003cp\u003eYour employee got sloppy and accidentally punctured your air compressor. You\u0026rsquo;ll need to get a replacement before you can continue your project.\u003c/p\u003e"},{"post_title":"What does Tools \u0026 Equipment insurance cover?","post_content":"\u003cp\u003eTools and equipment insurance provides financial help to protect equipment owned by you and employee tools or clothing. It can even protect borrowed equipment when you choose Select Pro or Pro Plus coverage. \u003c/p\u003e\r\n\u003ch3\u003eEquipment owned by you\u003c/h3\u003e\r\n\u003cp\u003eYour generator is stolen from your storage space and you need a replacement.\u003c/p\u003e\r\n\u003ch3\u003eEmployee tools and clothing\u003c/h3\u003e\r\n\u003cp\u003eYour employee\u0026rsquo;s electric power tools are damaged by a leak at a job site and need to be replaced.\u003c/p\u003e\r\n\u003ch3\u003eBorrowed equipment\u003c/h3\u003e\r\n\u003cp\u003eA compressor that you borrowed from another contractor explodes and needs to be replaced. (Note: This coverage is not offered with our basic coverage. Select Pro or Pro Plus.)\u003c/p\u003e\r\n\u003cp\u003eWhile general liability protects your business from expenses related to damaged property that belongs to someone else, your own tools and equipment would not be covered unless you have tools and equipment insurance.\u003c/p\u003e"},{"post_title":"What isn’t covered?","post_content":"\u003cp\u003eTools and equipment insurance covers a lot — but it won\u0026rsquo;t provide coverage for corrosion, rust, wear and tear or rental equipment. If you do plan to rent equipment from someone else, you may want to opt for insurance through the rental company. \u003c/p\u003e\r\n\u003cp\u003eThere are certain instances where tools and equipment insurance won\u0026rsquo;t provide coverage, including:\u003c/p\u003e\r\n\u003ch3\u003eCorrosion, rust or wear and tear\u003c/h3\u003e\r\n\u003cp\u003eYour power cutter has been with you from the beginning, but it\u0026rsquo;s rusted to the point that it is no longer usable. Because the damage is related to the rust, it wouldn\u0026rsquo;t be covered by your policy.\u003c/p\u003e\r\n\u003ch3\u003eEquipment you rent from someone else\u003c/h3\u003e\r\n\u003cp\u003eYou need a wood chipper for a last-minute landscaping job at a local university. Your NEXT policy won\u0026rsquo;t cover rentals, so you might want to opt for rental insurance from the company where you rent the chipper.\u003c/p\u003e"},{"post_title":"How much does it cost?","post_content":"\u003cp\u003eTools and equipment insurance is offered as an addition to our general liability insurance policy. Simply select the coverage level that\u0026rsquo;s right for your business when you \u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eapply for a quote online\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eBasic tools and equipment coverage can start at $12.50 a month. A Pro policy starts at $24.20 a month, or choose a Pro Plus policy for $45 month.\u003c/p\u003e\r\n"},{"post_title":"How do I get Tools \u0026 Equipment insurance?","post_content":"\u003cp\u003eWith NEXT, you can purchase tools and equipment coverage online and get your certificate of insurance 10 minutes, or less. \u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eStart an instant quote to see options\u003c/a\u003e for your business. Here\u0026rsquo;s how the process works:\u003c/p\u003e\r\n\u003cp\u003eWe\u0026rsquo;ll ask you some basic questions about your business and operations, including: \u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eYour industry\u003c/li\u003e\r\n \u003cli\u003eWhere you do business\u003c/li\u003e\r\n \u003cli\u003eHow many years you have owned the business\u003c/li\u003e\r\n \u003cli\u003eNumber of employees\u003c/li\u003e\r\n \u003cli\u003eExpected annual revenue\u003c/li\u003e\r\n \u003cli\u003eRecent insurance and claims history\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eAfter you share your information, you\u0026rsquo;ll have instant access to a customized insurance quote for E\u0026amp;O and other recommended coverage. \u003c/p\u003e\r\n\u003cp\u003eIf you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you\u0026rsquo;ll have access to your certificate of insurance.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eStart a free instant quote today\u003c/a\u003e.\u003c/p\u003e"}],"faq_selected_questions":"","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"love_next_module","displayModule":true,"bgColor":"white","title":"There’s a lot to love about NEXT","subtitle":"","stepsRepeater":[{"step":{"text":"Get insurance in less than 10 minutes and you can save up to 25% in discounts*","image":{"ID":110226450,"id":110226450,"title":"fast-blue-orange","filename":"fast-blue-orange.png","filesize":25204,"url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-blue-orange.png","alt":"Business insurance in less than 10 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If they are stolen, lost or damaged, this coverage will get you back to work fast by paying for replacements or repairs.\u003c/p\u003e\r\n\u003cp\u003eMake sure your gear is protected all the time, everywhere — including in your vehicle, stored in a trailer or at a job site.\u003c/p\u003e\r\n\u003cp\u003eTools and equipment insurance is available as an add-on to our \u003ca href=\"/general-liability-insurance/\"\u003egeneral liability insurance\u003c/a\u003e for contractors and cleaning businesses.\u003c/p\u003e\r\n\u003cp\u003eIf you\u0026rsquo;re ready to move forward, \u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eyou can start a tools and equipment insurance quote today\u003c/a\u003e and review your options online in about 10 minutes.\u003c/p\u003e"}},{"@type":"Question","name":"Who needs Tools \u0026 Equipment insurance?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eTools and equipment insurance is a smart choice for anyone who brings their own equipment to different locations in order to get a job done. \u003c/p\u003e\r\n\u003cp\u003eIndustries and professions that can benefit most include: landscaping, construction, cleaning businesses, contractors, concrete and cement, plumbers, HVAC, janitorial services, electricians and carpenters.\u003c/p\u003e\r\n\u003cp\u003eTools and equipment covered include: \u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eSanding power tools\u003c/li\u003e\r\n \u003cli\u003eSaws\u003c/li\u003e\r\n \u003cli\u003eLaser levels\u003c/li\u003e\r\n \u003cli\u003eDust-control systems \u003c/li\u003e\r\n \u003cli\u003eLadders and workbenches \u003c/li\u003e\r\n \u003cli\u003ePower drills \u003c/li\u003e\r\n \u003cli\u003eBlowtorches\u003c/li\u003e\r\n \u003cli\u003eCNC routers \u003c/li\u003e\r\n \u003cli\u003eOscillating multi-tools\u003c/li\u003e\r\n \u003cli\u003eConcrete moisture meter\u003c/li\u003e\r\n \u003cli\u003eStand lights\u003c/li\u003e\r\n \u003cli\u003eHearing protection\u003c/li\u003e\r\n \u003cli\u003eHelmets and safety gear\u003c/li\u003e\r\n \u003cli\u003ePower tubing cutters\u003c/li\u003e\r\n\u003c/ul\u003e"}},{"@type":"Question","name":"Why is it important?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eWithout the right 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. \u003c/p\u003e\r\n\u003cp\u003eYou\u0026rsquo;ll be covered if:\u003c/p\u003e\r\n\u003ch3\u003eYour equipment is stolen from a trailer\u003c/h3\u003e\r\n\u003cp\u003eYou\u0026rsquo;re working on the road, and staying at a local motel during the job. Some scoundrel breaks into the trailer you\u0026rsquo;re towing and takes all of your tools in the middle of the night.\u003c/p\u003e\r\n\u003ch3\u003eYour tools are stolen from a job site\u003c/h3\u003e\r\n\u003cp\u003eIt\u0026rsquo;s Friday, and you\u0026rsquo;re feeling fancy, so you take the crew out for a long lunch break. When you get back, you\u0026rsquo;re ready for a food coma but instead, you realize your on-site shed was broken into. A generator and half of your specialty tools are missing.\u003c/p\u003e\r\n\u003ch3\u003eSomeone damages your equipment\u003c/h3\u003e\r\n\u003cp\u003eYour employee got sloppy and accidentally punctured your air compressor. You\u0026rsquo;ll need to get a replacement before you can continue your project.\u003c/p\u003e"}},{"@type":"Question","name":"What does Tools \u0026 Equipment insurance cover?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eTools and equipment insurance provides financial help to protect equipment owned by you and employee tools or clothing. It can even protect borrowed equipment when you choose Select Pro or Pro Plus coverage. \u003c/p\u003e\r\n\u003ch3\u003eEquipment owned by you\u003c/h3\u003e\r\n\u003cp\u003eYour generator is stolen from your storage space and you need a replacement.\u003c/p\u003e\r\n\u003ch3\u003eEmployee tools and clothing\u003c/h3\u003e\r\n\u003cp\u003eYour employee\u0026rsquo;s electric power tools are damaged by a leak at a job site and need to be replaced.\u003c/p\u003e\r\n\u003ch3\u003eBorrowed equipment\u003c/h3\u003e\r\n\u003cp\u003eA compressor that you borrowed from another contractor explodes and needs to be replaced. (Note: This coverage is not offered with our basic coverage. Select Pro or Pro Plus.)\u003c/p\u003e\r\n\u003cp\u003eWhile general liability protects your business from expenses related to damaged property that belongs to someone else, your own tools and equipment would not be covered unless you have tools and equipment insurance.\u003c/p\u003e"}},{"@type":"Question","name":"What isn’t covered?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eTools and equipment insurance covers a lot — but it won\u0026rsquo;t provide coverage for corrosion, rust, wear and tear or rental equipment. If you do plan to rent equipment from someone else, you may want to opt for insurance through the rental company. \u003c/p\u003e\r\n\u003cp\u003eThere are certain instances where tools and equipment insurance won\u0026rsquo;t provide coverage, including:\u003c/p\u003e\r\n\u003ch3\u003eCorrosion, rust or wear and tear\u003c/h3\u003e\r\n\u003cp\u003eYour power cutter has been with you from the beginning, but it\u0026rsquo;s rusted to the point that it is no longer usable. Because the damage is related to the rust, it wouldn\u0026rsquo;t be covered by your policy.\u003c/p\u003e\r\n\u003ch3\u003eEquipment you rent from someone else\u003c/h3\u003e\r\n\u003cp\u003eYou need a wood chipper for a last-minute landscaping job at a local university. Your NEXT policy won\u0026rsquo;t cover rentals, so you might want to opt for rental insurance from the company where you rent the chipper.\u003c/p\u003e"}},{"@type":"Question","name":"How much does it cost?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eTools and equipment insurance is offered as an addition to our general liability insurance policy. Simply select the coverage level that\u0026rsquo;s right for your business when you \u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eapply for a quote online\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eBasic tools and equipment coverage can start at $12.50 a month. A Pro policy starts at $24.20 a month, or choose a Pro Plus policy for $45 month.\u003c/p\u003e\r\n"}},{"@type":"Question","name":"How do I get Tools \u0026 Equipment insurance?","acceptedAnswer":{"@type":"Answer","text":"\u003cp\u003eWith NEXT, you can purchase tools and equipment coverage online and get your certificate of insurance 10 minutes, or less. \u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eStart an instant quote to see options\u003c/a\u003e for your business. Here\u0026rsquo;s how the process works:\u003c/p\u003e\r\n\u003cp\u003eWe\u0026rsquo;ll ask you some basic questions about your business and operations, including: \u003c/p\u003e\r\n\u003cul\u003e\r\n \u003cli\u003eYour industry\u003c/li\u003e\r\n \u003cli\u003eWhere you do business\u003c/li\u003e\r\n \u003cli\u003eHow many years you have owned the business\u003c/li\u003e\r\n \u003cli\u003eNumber of employees\u003c/li\u003e\r\n \u003cli\u003eExpected annual revenue\u003c/li\u003e\r\n \u003cli\u003eRecent insurance and claims history\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eAfter you share your information, you\u0026rsquo;ll have instant access to a customized insurance quote for E\u0026amp;O and other recommended coverage. \u003c/p\u003e\r\n\u003cp\u003eIf you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you\u0026rsquo;ll have access to your certificate of insurance.\u003c/p\u003e\r\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eStart a free instant quote today\u003c/a\u003e.\u003c/p\u003e"}}]},{"@context":"https://schema.org","@type":"Organization","name":"Next Insurance","url":"https://www.nextinsurance.com/","sameAs":["https://www.facebook.com/NextInsuranceUSA/","https://www.instagram.com/nextinsuranceinc/","https://il.linkedin.com/company/next-insurance","https://www.youtube.com/channel/UCXKL3pilHs2KJPLaICWskmQ","https://twitter.com/nextinsurance1"],"@id":"https://www.nextinsurance.com/#organization","mainEntity":[],"logo":{"@type":"ImageObject","@id":"https://www.nextinsurance.com/#logo","inLanguage":"en-US","url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/logo-website-new.svg","contentUrl":"https://www.nextinsurance.com/wp-content/uploads/2021/08/logo-website-new.svg","caption":"Next Insurance"},"image":{"@id":"https://www.nextinsurance.com/#logo"}}]}},"lmsPath":"https://track.nextinsurance.com","lightPage":null,"breadcrumbs":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.nextinsurance.com/"},{"@type":"ListItem","position":2,"name":"Tools \u0026#038; Equipment Insurance"}],"ABTestOptions":{"allowABTest":false,"type":"","variantNames":false},"LMSSerial":"90001"},"__N_SSP":true},"page":"/[...slug]","query":{"slug":[]},"buildId":"PFmghf_4_YmvGUEysYi3l","runtimeConfig":{"s3UploadsBucketURL":"","env":"production","imageHomeURL":"https://www.nextinsurance.com"},"isFallback":false,"isExperimentalCompile":false,"dynamicIds":[9150],"gssp":true,"appGip":true,"locale":"en","locales":["en"],"defaultLocale":"en","scriptLoader":[]}</script></body></html>