Tools & Equipment Insurance
Tools & equipment insurance (inland marine) covers the augers, post drivers, welders, compressors, and hand tools your fencing crew depends on — against theft, damage, and loss while on a job site, in transit between sites, or stored in your yard.
Tools & Equipment Insurance for Fencing Contractors
A fencing job site is, ironically, often the least secured location a contractor works — open yards, curb-side staging, and multi-day installs mean augers, post drivers, welders, and trailers sit exposed for days at a time. Tools & equipment insurance (a form of inland marine coverage) fills the gap standard property policies leave, covering your mobile equipment wherever your crew takes it.
What's Covered
- Power augers & post drivers: Gas and hydraulic equipment that walks off job sites
- Welders & fabrication equipment: For crews that build ornamental and custom gates
- Hand & power tools: Drills, saws, wire pullers, tampers, levels
- Trailer-mounted equipment: Compressors, generators, and towed tool trailers
- Theft & mysterious disappearance: Equipment stolen from an unattended job site overnight
- In-transit damage: Equipment damaged in a trailer accident between sites
Why Fencing Contractors Need It
Multi-day fencing installs routinely leave equipment staged at the job site — a chain-link job spanning a large commercial property, or a residential job that runs over a weekend. That downtime is exactly when theft happens. A stolen post driver or welder doesn't just cost the replacement price; it stalls every crew scheduled behind it.
How It's Priced
Rates depend on your total scheduled equipment value, theft history in your operating area, and how you secure tools overnight (locked trailer, job-site storage box, or nothing at all). Scheduling your equipment specifically — rather than relying on a blanket limit — usually gets you faster, fuller claim payouts.
What's Covered
Frequently Asked Questions
Does my insurance cover fence materials or tools stolen from a job site?
Not automatically — theft of tools and mobile equipment is covered under a dedicated tools & equipment (inland marine) policy, not standard general liability or property insurance. We schedule your key equipment so a stolen auger or welder is a covered, fast-paying claim rather than an out-of-pocket loss.
Do I need tools & equipment insurance for a one-truck fencing operation?
Yes — even a small operation typically has several thousand dollars of augers, drivers, and hand tools that would be expensive and slow to replace out of pocket. Policies can be sized to a single truck's worth of equipment and scaled up as you grow.