TOOL INSURANCE AUSTRALIA
Tool Insurance.
Protect Your Gear.
Keep Working.
Tool insurance for Australian tradies, contractors and businesses that rely on essential tools, equipment and mobile assets to earn an income.
- Options for tools, equipment and portable business property
- Discuss theft, accidental damage, fire, storm and transit risks
- Broker support from quote through claims and renewal
Get Your Tool Insurance Quote
Our Clients Say
Trusted by Businesses Australia-Wide
Cover Built Around Your Trade
Options shaped around your tools, work and business
Flexible Cover Options
Discuss limits, specified items and valuable equipment
Claims Support
Practical help when tools are lost or damaged
Australian Broker Advice
Local guidance for trades and businesses
ABOUT TOOL INSURANCE
Your Tools Keep Business Moving.
Protect the Gear You Depend On.
For many Australian trades and contracting businesses, tools are essential income-producing assets. Tool insurance may help protect hand tools, power tools, equipment and other portable property against insured loss or damage, subject to the policy wording, limits, excesses, conditions and exclusions.
ABS Insurance Brokers can help you consider how your tools are stored, transported and used—including tools in a vehicle, at a worksite, in a locked building or temporarily hired for a project. We can also discuss how tool cover fits alongside public liability, commercial motor, plant and equipment and broader business insurance.
- Hand tools, power tools and specialist trade equipment
- Tools kept in vehicles, locked toolboxes, workshops or storage areas
- Equipment used on residential, commercial, civil and remote worksites
- Hired or leased tools, trailers and mobile equipment where available
- Specified items for higher-value tools and equipment
- Optional connections with public liability and broader tradie insurance
WHAT CAN BE COVERED
Practical Protection for Tools, Equipment and Mobile Assets
Tools and Equipment
Hand tools, power tools and portable trade equipment may be covered
Theft and Damage
Options may respond to theft, fire, storm, impact or other insured events
Tools in Transit
Consider cover while equipment is being carried between jobs or stored in a vehicle
Worksite and Storage
Discuss tools kept at sites, workshops, sheds, containers or other locations
Hired Equipment
Cover options may be available for hired or leased tools and equipment
Specified High-Value Items
Larger-value tools may need to be individually listed for the required level of protection
WHY CHOOSE ABS
Broker Advice for Tradies and Contractors
Trade Risk Experience
We understand the realities of mobile work and jobsite exposures
Connected Insurance Advice
Consider tool cover alongside liability, motor, plant and business insurance
Insurer Access
We can approach insurers suited to your trade and equipment risks
Personalised Service
Clear explanations from quote through renewal and claims
Ongoing Reviews
Update cover as your equipment, contracts and business change
Protect Your Essential Gear
Request a tailored tool insurance review from ABS Insurance Brokers.
FREQUENTLY ASKED QUESTIONS
What is tool insurance?
Tool insurance is designed to help protect tools, equipment and portable business property used in a trade or contracting business. The available protection depends on the policy selected, including its insured events, limits, excesses, conditions and exclusions.
What can tool insurance cover?
Depending on the insurer and policy, cover may be available for theft following required security measures, accidental damage, fire, storm, impact, transit and tools stored at a worksite or business premises. Hired equipment, trailers, mobile plant and portable electronics may require separate consideration.
Are tools stolen from a vehicle covered?
Vehicle and toolbox theft cover is subject to the policy’s security requirements and exclusions. Insurers may require forced entry, locked storage, evidence of ownership and other conditions. Tell your broker how tools are stored overnight so the cover can be assessed accurately.
Do high-value tools need to be listed?
Often, higher-value tools and equipment need to be specified individually, with their make, model, serial number and value. Listing an item can help ensure the selected limit reflects the asset, but the policy wording determines how a claim is settled.
Does tool insurance replace public liability insurance?
No. Tool insurance addresses physical loss or damage to equipment. Public liability responds to covered claims involving third-party injury or property damage arising from your business. Many trades need to consider both forms of protection, along with motor, plant and other covers.