Does carpenter insurance cover tool theft or damage?

Yes! Tools & Equipment coverage (Inland Marine) specifically handles loss or damage risks: 

  • Theft from a parked van or jobsite. 
  • Damage during transport or use onsite. 
  • Accidental drop damage or weather-related losses. 

If tools are your livelihood, insuring them means one unexpected incident won’t stop all your work. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.