Tools & Equipment Insurance
Tools & equipment (inland marine) coverage protects the mobile gear a fireproofing contractor depends on — spray rigs, pumps, mixers, hoses, scaffolding, and hand tools — against theft, loss, and damage at the jobsite, in transit, or from your truck and trailer.
Tools & Equipment Insurance for Fireproofing Contractors
A fireproofing contractor's equipment is mobile, expensive, and a constant theft target. Spray rigs, plural-component pumps, mixers, hoppers, hoses, scaffolding, and hand tools live in your truck and trailer and move from project to project. Tools & equipment (inland marine) coverage protects that gear wherever it is — something a standard commercial property policy, tied to a fixed location, won't do.
What's Covered
- Theft: Equipment stolen from your truck, trailer, or the jobsite
- Loss & damage in transit: Equipment damaged moving between projects
- On-site loss: Gear lost or damaged while you're working
- Rented & borrowed equipment: Coverage for lifts and equipment you rent for a job
- Small tools blanket: A blanket limit for the many smaller tools you carry
- Scheduled large equipment: Higher-value rigs, pumps, and mixers listed individually
Why Property Insurance Isn't Enough
Commercial property coverage protects equipment at your fixed business location. But a fireproofing contractor's gear spends its life on active jobsites — exactly where property coverage stops. Inland marine is designed to follow your equipment, so a stolen pump or a jobsite theft doesn't come out of your pocket.
Getting the Limit Right
We schedule your high-value rigs and pumps at replacement cost and set a blanket limit for small tools that reflects what you actually carry — so a total loss replaces your gear and keeps your crews working without a financing gap.
What's Covered
Frequently Asked Questions
Doesn't my property policy cover my equipment?
Commercial property typically only covers equipment at your fixed business location. A fireproofing contractor's rigs, pumps, and tools spend their life on jobsites and in transit — where property coverage stops. Tools & equipment (inland marine) follows your gear wherever it goes.
Is rented equipment covered?
It can be. We can include rented and borrowed equipment — like scissor lifts and boom lifts — on your inland marine coverage, which matters when you rent access equipment for a job and are contractually responsible for it.