Tools
Tools and Portable Property
If you are a mobile business or take contents or stock away from the business it will not be insured unless you chose to cover General Property.
This will cover you for loss and/or damage to laptops, tools and other portable equipment whilst away from the insured premises.
Accidental Damage
It happens - dropping them, leaving them on the roof of a car when driving off, spilling coffee on them. Your tools will be covered for all of the sticky situations they get in
Theft
Having tools stolen from a job site is a number one concern for any trades person. We can make sure you get these replaced so you can continue on.
If you can work without your tools then you cant go without this cover.
Whether your tools are your mobile and computer or tools in the back of your truck then this cover is a necessity. These policies can cover these items for accidental damage and theft in open air which is a major concern for trades working on job sites.
Isn't this included in my business pack?
When you arrange Contents and Stock Insurance under a business insurance policy, it is only covered under the specified situation on your policy.
Example:
A Lawn mowing business just arrived at their client’s situation. Whilst unloading the lawn mower from their trailer, it dropped which resulted in damages to the side and blades. The insurance company organised a lawn mower repairer to asses the damage. Their findings were it was more economical to replace the mower then to repair it. The insurer authorised replacement of the mower for $14,000