Understand insurance for tools

Most  tradesman insurance  covers you for things like public and employers’ liability, but you’ll need extra cover for tools. It’s important to take care of your tools as best you can. Here are a few tips to get you started…

 

Keep tools secure

It may well seem obvious, but many people don’t keep their tools as secure as they should. Thieves are often opportunists, so if they see tools in an unlocked environment, they’re more likely to take their chance.

Keep tools locked up in a tool box and invest in solid security devices that can’t be tampered with.

 

Out of sight, out of mind

If thieves cannot see your tools then they don’t know they’re there. Don’t make yourself an easy target by leaving your tools on show.

If you can, move tools from your vehicle each night and lock them away somewhere indoors. If that’s not possible then secure them inside your vehicle and park it somewhere off-road – ideally inside a garage or at least on a well-lit driveway.

 

Tag your tools

The worst case scenario is that your tools do get stolen. However, if you’ve engraved your tools with your initials or used a UV marking pen, that will make it more difficult for thieves to sell the equipment on. Marking your tools also makes it easier for police to identify who the tools belong to if they are recovered – which makes it more likely that you’ll get them back.

 

Insure your tools

For the same reason as above (to help police know what you are missing), it’s a good idea to keep an inventory of all the tools you own. This also helps in case you do need to make a claim on your  tradesman public liability insurance policy .

Sometimes, no matter what you do, you can’t avoid bad luck. So it’s vital you have insurance to avoid being left without the tools of your trade – and potentially out of pocket. It is also worth finding out whether you are covered by your  home insurance policy

 

Top tool tips

  • Remove tools and equipment from vehicles overnight if possible.
  • Fit a good alarm and warning sticker to your vehicle.
  • Don’t leave items on display.
  • Mark your equipment.
  • Keep a record of your tools and other equipment.
  • Fit security systems, such as lights, alarms, locks and CCTV to storage buildings.
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