Tools & Materials Insurance

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Protect your tools with Admiral Business Tool & Materials Insurance – from just £7.49*per month.
A tradesperson unloads tools and supplies from the back of a van parked on a residential street, preparing for the day’s job.

What is Tools & Materials Insurance?

Tool & materials insurance is designed to protect tradespeople's most valuable assets – their tools and equipment. This insurance provides financial cover if your tools are stolen, damaged, or lost, giving you peace of mind and helping you get back to work quickly.

Whether you’re on a construction site, storing tools overnight, or transporting equipment to various locations, Admiral Business’ Tools & Materials Insurance ensures your tools are protected wherever your job takes you.

What does tools & materials insurance cover?

Tools & materials insurance covers the cost of replacing business tools and equipment if they are lost, stolen or damaged while stored in your locked home or vehicle. For example, tools insurance will cover your tools if damaged as a result of a road traffic accident or fire, or if your vehicle is stolen with them inside.

What’s included?
  • Coverage for stolen or damaged tools, materials, and stock in various situations.
  • Theft or fire damage coverage for tools stored overnight in your specified location.
  • Coverage for one business laptop or tablet.
  • Tools valued at purchase price, no depreciation, with payment within one day of approval.
What’s not included?
  • No coverage for items carried for delivery or courier services.
  • No coverage for pre-existing damage, wear and tear, or natural damage.
  • No coverage for money, cards, or most electronics.
  • No coverage for theft or damage in unsecured vehicles or storage.
  • No coverage for theft or damage without visible signs of forced entry.

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

Download full policy wording
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Insurance built around the needs of the UK’s small businesses

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Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Who needs tools & materials insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Tools & materials insurance is essential for various trades and professions, including: builders, electricians, plumbers and carpenters.

If you work in trades or construction, insurance for your tools can save you money and time. Without protection, replacing stolen or damaged tools could result in significant downtime and unexpected expenses.

Why is tools & materials insurance important?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Having tools insurance is crucial for tradespeople. Essential tools can be costly to replace, and any loss could lead to days – or even weeks – of work delay, impacting your income and reputation. Theft is particularly common on job sites and in transit, making tool insurance a wise investment to keep your business secure.

Without insurance you may incur:

  • Replacement costs: you bear the full cost of replacing lost or stolen tools.
  • Downtime: delays from lost equipment impacting on your schedule and earnings.
  • Increased risk of theft: Expensive tools stored in vans or on-site are high-value targets for theft.

Are your tools covered under car insurance or contents insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Typically, tools are not covered under standard car insurance policies. Car insurance focuses on protecting the vehicle itself, and while it may include personal belongings to some extent, professional tools usually require dedicated tool insurance.

Similarly, tools for business or professional use are generally not covered by home contents insurance policies, which focus on household items. Tools for personal or DIY use may be included, but professional-grade or work tools need specific coverage under a dedicated policy like Admiral Business Tool Insurance.

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Tools & Materials FAQs

*£7.49 is the price for a Tools Insurance policy with £1,000 worth of cover. It is equivalent to £89.82 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 14th May 2025.