Tools of Trade Insurance

Protect your tools, protect your income — cover for the gear you rely on every day.

Your tools aren’t just equipment — they’re how you make a living. If they’re stolen, damaged or lost, it can stop work immediately, delay jobs, and cost you thousands in replacements and downtime.

Tools of Trade Insurance helps protect the tools and equipment you use for work, whether they’re on-site, in your vehicle, in transit, or stored at your workshop (depending on your policy).

At GetThatInsurance, we make it easy to arrange the right cover, with clear advice and access to trusted insurers — so you can get back on the tools fast if something goes wrong.

Why Tools of Trade Insurance Matters

Trades and mobile businesses face tool-related risks constantly — from theft out of vehicles and worksites, to accidental damage, fire, and loss.

Replacing tools isn’t cheap — and without them you may not be able to work, invoice, or meet deadlines.

Tools of Trade Insurance helps protect you from

the cost of replacing stolen tools

unexpected damage or accidents on site

tools stolen from secure vehicles or storage (policy dependent)

financial disruption when essential equipment is gone

Who Is This Cover Is For

Tools of Trade Insurance is ideal for anyone who relies on tools or equipment to do their job, including:

tradies (electricians, plumbers, carpenters, painters, etc.)

contractors and subcontractors

builders and site workers

technicians and installers

mobile service businesses

small business owners carrying tools between jobs

If your tools are essential to earning income, this cover is worth considering.

What Tools of Trade Insurance Can Cover

Policies vary by insurer, but Tools of Trade Insurance can typically be tailored to include:

Theft

Cover for tools and equipment stolen from job sites, vehicles or storage facilities (subject to conditions).

Accidental Damage

Protection if tools are dropped, broken, damaged by impact, or damaged during work.

Fire and Weather Events

Cover may extend to tools damaged by fire, storm, or other insured events depending on the policy.

Common Scenarios This Insurance Helps With

Tools in Transit

If your tools move between job sites, transit cover can help protect them while being transported.

Equipment Stored Overnight

Some policies cover tools stored securely at your home, shed or workshop (security requirements may apply).

We’ll help you structure cover so it matches how you actually work — and how your tools are stored and transported.

Tools of Trade Insurance can be useful if:

your tools are stolen from your vehicle overnight

a break-in occurs at your worksite or storage

equipment is damaged during loading/unloading

a storm or fire damages your stored tools

you need replacement tools quickly to keep working

We make these details clear upfront so you know exactly where you stand.

Why Choose Get That Insurance?

Tools insurance is one of the simplest ways to reduce risk and avoid major out-of-pocket expenses.

With GetThatInsurance, you get:

tailored cover based on your trade and tool value

access to multiple insurers so you can compare options

clear advice without the jargon

faster support when it matters, including help through claims

Frequentley Asked Questions

Is Tools of Trade Insurance the same as Public Liability?

No. Public liability protects you if you cause injury or damage to others. Tools of Trade Insurance covers your tools and equipment if they’re stolen, damaged or lost.

Are tools covered if they’re stolen from my vehicle?

Often yes, but insurers usually require the vehicle to be locked and may require tools to be hidden or secured. We’ll help you confirm the security rules before you choose a policy.

Do I need to list every tool?

It depends. Some policies cover tools up to a total limit, while others require high-value items to be listed separately. We’ll guide you through the right structure.

Is transit cover included?

Some policies include transit cover, while others offer it as an optional add-on. We’ll confirm what applies to your equipment movements.

What do you need to get a quote?

We typically need:

estimated tool replacement value

storage and security details

whether tools are kept in a vehicle or workshop

your trade/occupation and claim history

Get a Tools of Trade Insurance Quote

If your tools are essential to your work, protecting them is protecting your income. Let us help you arrange cover that suits how you work — and keeps you moving if something goes wrong.

Speak to an Insurance Specialist

Head office address:

7/7-9 Activity Crescent,
Molendinar QLD 4214

Call for help:

1300 964 854

Mail for information:

info@getthatinsurance.com.au

Call us: 1300 964 854

Email us for help:

7/7-9 Activity Crescent