Tools & Equipment in Utah.
Tools & equipment coverage — a contractor's equipment or installation floater, written as inland marine — covers your tools, equipment, and materials wherever they are: on the job site, in transit, or stolen from the truck. Property policies don't follow your tools off-premises, and theft from a job site or truck is one of the most common trade losses.
What tools & equipment protects.
Your tools and equipment on the job site, in transit, or in the truck
Theft from a job site or a locked truck — a top trade loss
Scheduled coverage for big-ticket items plus a blanket limit for small tools
Installation floater for owner-furnished materials you're responsible for until acceptance
What tools & equipment costs in Utah.
What drives the price: the replacement cost of the tools and equipment you carry, scheduled big-ticket items, and your deductible.
An Ogden plumber insuring a few thousand dollars of tools in the van might see tools & equipment coverage around $25–40/mo.
Illustrative only — not a quote. Tools & Equipment pricing is set by the carrier; your real number comes from a licensed producer after we shop A-rated carriers for you.
Trades and contractors who carry tools and equipment to job sites — electricians, plumbers, HVAC, concrete, excavation, and anyone whose livelihood rides in the truck. It's rarely contract-required, but an installation floater matters when you're responsible for materials until the job is accepted.
From a plumber's van on the Wasatch Front to an excavation crew's equipment across Utah, this coverage follows your tools off-premises where your property policy won't. We set the blanket and scheduled limits to the replacement cost of what you actually carry.
How Keel handles your tools & equipment.
Tell us about it
Text us what you need for tools & equipment — no forms, no phone tag.
We shop A-rated carriers
We compare the carriers we're appointed with and bring back real options, not estimates.
A licensed producer reviews
A real producer checks the coverage and limits — nothing binds automatically.
Bound, proof in hand
Once you're set we bind it and send your documents, often the same day.
Tools & Equipment in Utah
01Doesn't my general liability or property policy cover my tools?
No — general liability covers third-party claims, and a property policy doesn't follow tools off your premises. Tools & equipment (inland marine) is the coverage that responds when gear is stolen from a job site or truck.
02How do you set the coverage limit?
We schedule your big-ticket items individually and add a blanket limit for small tools, set to the replacement cost of what you actually carry. That way a total loss puts you back to work, not out of pocket.
03What's an installation floater?
It covers materials you've been furnished and are responsible for — until the job is accepted. If you're installing owner-furnished materials, an installation floater closes a gap your tools coverage and the owner's policy may both leave open.
04Is tools & equipment coverage required by contract?
It's rarely contract-required on its own, but installation floaters do come up when you're handling owner-furnished materials. Mostly, trades carry it because losing the tools is what actually stops the work.
Coverage that often goes with it.
General Liability
General liability is the coverage clients, landlords, and contracts ask you to carry.
Learn more →Business Owner's Policy
A Business Owner's Policy (BOP) bundles two essentials — property and general liability — into one policy, usually at a better price than buying them separately.
Learn more →Workers' Compensation
Workers' compensation covers medical bills and lost wages when an employee is hurt on the job — and protects you from most related lawsuits.
Learn more →Ready to get tools & equipment handled?
Text us and we’ll shop it — a licensed producer reviews before anything binds.