Contractor tools
Hand tools and portable equipment may need scheduled or blanket limits.
Inland marine / tools & equipment
Protect property that moves with the work.
Commercial property coverage is usually tied to scheduled premises. Inland marine can address mobile tools, equipment and other property that travels or works off-site, subject to policy terms.
Coverage in context
Build the policy around the operation—not a generic label.
Availability, eligibility, forms, endorsements, limits and pricing vary by carrier and risk. NIS reviews the operational facts first so the submission can be routed to appropriate markets.
Mobile equipment
Larger equipment can require detailed schedules, values and loss-payee information.
Property in transit
Materials or customer property moving between locations may create separate exposure.
Theft controls
Storage, overnight location, vehicle security and tracking can matter to underwriting.
Before quoting
Information that helps underwriting move faster
- Tool/equipment inventory and values
- Serial numbers for high-value items
- Where property is stored overnight
- Territory and transit exposure
- Leased/rented/borrowed equipment
- Prior theft or damage losses
Account rounding
Related coverages to review together
Questions to ask
Common questions
Are tools automatically covered by general liability?
No. General liability is not property coverage for your own tools. Mobile tools and equipment may need inland marine or another property form.
What if equipment is financed?
A lender or lessor may require loss-payee or other evidence of coverage. Those requirements should be reviewed against the policy and carrier options.
Business intake
Start an Arizona business insurance review
Tell us how the business operates once. We will use that information to search available markets and validate coverage options. Please allow approximately 24–48 hours for most reviews; complex commercial risks may require additional underwriting time. Detailed underwriting and sensitive documents move to secure agency/carrier workflows after this first step.