Portable Tools & Plant Insurance

Portable Tools & Plant Insurance covers the tools and smaller equipment your business relies on day to day, against loss, theft, and damage. We arrange cover scaled to the value of tools you carry and use on the job.

Portable Tools & Plant Insurance Covers What You Carry to the Job

Portable Tools & Plant Insurance covers hand tools, power tools, and other portable equipment against loss, theft, or accidental damage, whether they're in a vehicle, on-site, or in storage. It's designed for equipment that moves with you rather than staying in one place.

Portable tools are a common target for theft, particularly from vehicles and unattended sites, and the cumulative value of a tradesperson's tool kit can be significant. We help you set a sum insured that reflects what you carry.

Which Sectors Often Need Portable Tools & Plant Insurance

These are the sectors where Portable Tools & Plant Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Mining & Resources

• Energy & Utilities

• Trade & Subcontractor Services

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What You'll Need for a Portable Tools & Plant Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Tool & Equipment List

A list of the tools and portable equipment you want insured, and their combined value.

Work Locations

The types of sites you typically work on and how tools are transported between them.

Storage & Security

How and where tools are stored when not in use, including any security measures such as lockboxes or vehicle immobilisers.

Claims History

The details of any tool theft or damage claims made in the past 5 years.

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How Portable Tools & Plant Insurance Differs From Related Products

Portable Tools & Plant vs. Plant, Equipment & Machinery

Portable Tools & Plant covers smaller tools and equipment carried in a vehicle or on-site. Plant, Equipment & Machinery generally covers larger, higher-value equipment with different security considerations.

Portable Tools & Plant vs. Commercial Motor Fleet

Commercial Motor Fleet covers the vehicle itself. Portable Tools & Plant covers the tools carried inside it, which need separate cover even if the vehicle is already insured.

Portable Tools & Plant vs. Mobile Plant & Machinery

Mobile Plant & Machinery covers larger mobile plant such as excavators. Portable Tools & Plant covers smaller, hand-carried tools and equipment — a different scale of item entirely.

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