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What Tools Are Covered by Tools Insurance?

Rhino Trade Insurance 12 December 2023

For tradesmen and women in the UK, tools are the lifeblood of your profession. Whether you're a carpenter crafting custom furniture, an electrician ensuring the safety of electrical systems, or a plumber fixing leaks, your tools are your trusty companions. They help you earn your living and deliver quality work to your clients. However, tools are also at risk of theft and damage, and that's where tools insurance comes into play.

In this blog post, we'll talk all about the world of tools insurance - a vital aspect of every tradesperson's career. We'll explore what types of tools are covered by this insurance, why it's essential, and how it can provide peace of mind to professionals in the UK's diverse trades.

Which Tools Are Covered With Rhino's Tool Insurance?

Power Tools

The first and most obvious category of tools covered by tools insurance is power tools. These high-value items are often the target of theft, and they can be expensive to replace. Whether you rely on cordless drills, circular saws, angle grinders, or other power tools, insuring them is a wise decision.

Tool insurance for your power tools covers the cost of repairing or replacing these tools in case they are damaged due to accidents, fire, or theft. This protection is crucial, as it ensures that you can continue your work without a significant interruption, even if your tools are damaged or stolen.

With Rhino Trade Insurance, you can keep your vital tool arsenal safe up to the value of £50,000. Simply get a quote today and add this valuable policy to your current insurance plan.

Hand Tools

Hand tools are the backbone of many trades, from spanners and pliers to screwdrivers and hammers. They are essential for precision work and are often collected over time. Hand tools insurance protects these items in case of damage or theft, allowing you to replace them without a significant financial burden.

Many hand tools can have sentimental value for tradespeople, having been passed down through generations. By insuring these tools, you're not just protecting your investment but also preserving the history and tradition associated with them.

Specialist Tools

In some trades, the tools required are highly specialised. These could include pipe threading machines for plumbers, laser levels for carpenters, or diagnostic equipment for electricians. Protecting your specialist tools with tool insurance ensures that your unique and often costly tools are covered in case of damage or theft.

Professionals who rely on specialist tools understand the challenges of replacing these items quickly. Tools insurance for your specialist equipment ensures that you can continue your work without disruptions, even if your most crucial tools are stolen or damaged.

Find out everything you need to know about tool insurance from Rhino Trade Insurance here

Garden and Landscaping Tools

Tradespeople involved in landscaping, gardening, and outdoor maintenance often possess an array of equipment, including lawnmowers, hedge trimmers, chainsaws and more. These tools can be expensive, and they are also susceptible to theft and damage, particularly when left in outdoor storage sheds or on worksites. Ensuring your garden and landscaping business is covered with tool insurance provides peace of mind for those of you who work in the great outdoors!

Mobile Workshops

Many tradespeople in the UK rely on mobile workshops, which can include vans or even customised vehicles. These workshops often carry an assortment of tools and equipment that are essential for day-to-day operations. Insuring your mobile workshop ensures that your tools and equipment are protected in the event you experience theft or damage. 

Accessories and Attachments

While insurance for the main tools is crucial, don't forget about the various accessories and attachments that make your work more efficient. These can include drill bits, saw blades, and measuring instruments. Insuring these smaller items can be a cost-effective way to ensure that you have the tools needed to complete your jobs to the highest standard.

Personal Protective Equipment (PPE)

Personal Protective Equipment (PPE) is an integral part of a tradesperson's safety. PPE includes items such as hard hats, safety vests, gloves, and eyewear. These items are often forgotten when considering tools insurance, but they play a vital role in protecting you on the job.

Tool insurance ensures that you have the means to replace or repair your safety gear if it's damaged in an accident or through everyday wear and tear. Without proper PPE, you risk not only your tools but also your health and well-being.

Why Tools Insurance Matters

Financial Protection

Tools insurance from Rhino Trade Insurance is a form of financial protection. It shields you from the potentially crippling costs of replacing expensive tools or equipment if they are damaged or stolen. Instead of having to dip into your own pocket to replace these items, your insurance policy steps in to cover the expenses. This financial safety net ensures that you can continue working without undue stress or financial hardship.

Business Continuity

For many tradespeople, your tools are your livelihood. Without them, you can't complete jobs, and your income is at risk. Tools insurance helps ensure business continuity by providing timely replacements for damaged or stolen tools. This means that even if the worst happens, your projects can continue to move forward, and your income remains steady.

Peace of Mind

Peace of mind is invaluable. Knowing that your tools are insured allows you to focus on your work without worrying about potential losses. You can take on jobs with confidence, knowing that your tools are protected. This sense of security can enhance your overall job performance and help you grow your business.

Customised Cover

Tools insurance with Rhino can be tailored to your specific needs at an affordable price. You can select coverage limits and additional options that suit your profession and the value of your tools. This customisation ensures that you have the right level of protection without overpaying for coverage you don't need. 

On top, at Rhino, all our tool insurance policies offer cover even if your tools are stolen while being kept in your work vehicle overnight. This is subject to security conditions, of course, but it means you don't have to worry about taking all your tools out of your van at the end of the day. 

Why Choose Rhino Trade Insurance for Your Tool Insurance

Tools insurance is a critical investment for tradesmen and women. It offers financial protection, peace of mind, and the assurance that your tools and equipment are safeguarded against unexpected losses. 

It's extremely easy with Rhino to take out your cover. Visiting our simple-to-use quote engine to get a rough idea of the cost of Rhino's affordable tool insurance is your first port of call.

As an alternative, contact us by phone at 0116 243 7904, via email at, or via the website's chat feature. Our knowledgeable, approachable staff in the UK will be pleased to go over your options with you.

With Rhino, you can set up cover in a matter of minutes. You have 14 days to cancel your insurance and receive a full refund if you decide to change your mind.

About The Author Phil McCormick

Experienced in brand marketing and content. Most of that lovely communication you see online will be from Phil. social media, emails, videos, how to make a bacon sarny? You get the gist!

Trade most identified with: Electrician - It’s our Phil’s job to map out all our communications and make sure the signal works! Also, he’s one of the cockiest blighters in the team so electrician fits perfectly!

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