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Is Tool Insurance Necessary?

Rhino Trade Insurance 05 April 2021

Unlike other insurance policies, tools insurance is a more specialised type of cover. This form of insurance has a clear benefit for tradesmen where tools are an essential part of their day to day service.

Most people who work in the trades know that quality tools are expensive and sometimes hard to come by. Tools and machinery are often one of the biggest expenses for trade-based businesses and can be very costly to replace if stolen or damaged. To be without essential tools for any period of time will significantly impact a tradesman's ability to work. Having the right cover in place is extremely advantageous to protect against these kinds of situations.

The last thing anyone expects is to be a victim of theft or burglary. The unfortunate reality is that thieves are out there who know the value of specialised equipment. Tradesmen are often targeted by these individuals and the consequences for these petty crimes can be very dear for small businesses.

Damage to tools is another unpredictable occurrence for people working in trades. Again, being without the necessary tools to complete a job could be damaging for a trade-based business financially and also affect your reputation if you can't complete a project!

Being without insurance for your tools leaves your business vulnerable in the event you're without equipment for any length of time. If the worst should happen, making a claim is straightforward - give our UK-based support team a call to find out more.

At Rhino, we offer up to £10,000 cover for the loss, damage or theft of portable tools in transit. We'll cover the cost of repair or replacement, so you don't need to worry in the event something happens to your tools. Our tool insurance includes options for multiple trades and business activities and is available instantly online.

For full details check out the tools insurance FAQs or give us a call on 0116 243 7904.

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