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What is tools & stock insurance?

Tools insurance covers tradespeople against theft and damage to the tools that they need to carry out their business activities. Depending on the policy you choose, your business will be protected against tools and equipment that are stolen or damaged even if they are left in a vehicle unattended.

Stock insurance covers the cost of replacing stolen or damaged stock. Depending on the level of cover you require, our cover protects your stock against theft from a vehicle even while left unattended.

Explore the benefits of cover with Smart Sure:

Get a tools & stock insurance quote today

Explore the benefits of our tools & stock cover and receive a quote today

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What does tools & stock insurance cover?

Most tools & stock insurance policies provide cover for the following:

  • The cost of replacing lost, stolen or damaged tools & stock
  • Overnight theft from an unattended vehicle: depending on the level of cover you choose
  • The cost of repairing or replacing contractor tools and trade stock

Why do I need tools & stock insurance?

Tradespeople rely heavily on their tools to carry out their work and if tools are damaged or stolen, the effects on their business can be devastating. Our tools & stock insurance cover provides protection in these unfortunate instances and ensures that your business recover quickly when disaster strikes.

The theft of or damage to stock can have serious repercussions for businesses that trade goods. Our tools & stock cover ensures that that if your stock is damaged or stolen, your stock is quickly replaced and your company can resume normal business as soon as possible.

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Frequently asked questions

The cost of tool insurance depends on the value and the amount of equipment that you are looking to cover. The level of cover you require will also determine the premium of the policy; we offer a choice of comprehensive insurance packages so that you can choose a policy that suits your needs.
Tool insurance protects your tools in the event that they are stolen or damaged. We offer comprehensive insurance packages so that your equipment is repaired or replaced quickly when disaster strikes.
Depending on the policy, contents insurance may not protect your tools while they are being used outside of your own premises. By taking out tool insurance, you cover the damage to or theft of your tools while you are carrying out work.
We offer a choice of policies, each covering a different level of risk. If you wish to cover your tools left in a vehicle or on-site overnight, you can choose the appropriate cover level. For more information, please contact a member of our team.
This will depend on the value and number of tools that you wish to insure. Your cover level should generally be the total value of all your tools so that you can ensure that you are fully covered in the event of a claim. We offer cover for small tools and valuable equipment so that we can provide cover for a wide-range of trades.
Tools that are owned by employees or sub-contractors are not covered under our tools insurance policy. However, tools that are owned by the company including tools that are used by employees or sub-contractors are covered.