Equipment Insurance

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Keep Your Tools & Machines Protected on the Job

Your business runs on equipment-whether it's kitchen appliances, power tools, or specialty machinery. Equipment insurance helps cover the cost to repair or replace key gear if it's damaged, stolen, or breaks down. From local contractors to restaurant owners, we help Florida businesses get back to work fast.

What's Typically Covered

Depending on the type of policy, equipment insurance may include:

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Tools & Machinery 

From handheld tools to commercial-grade machines

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Electronics & POS Systems

Computers, checkout gear, and portable devices

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Mobile Equipment

Coverage while transporting or using gear at job sites

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Breakdown Coverage

For sudden mechanical or electrical failure

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Theft & Vandalism

Protection for stolen or damaged business equipment

We'll help match you with coverage that fits your gear, whether you're on-site, on the road, or in your shop.

Who Needs Equipment Insurance?

This coverage is ideal for:

  • General & specialty contractors
  • Landscapers & tree service businesses
  • Restaurants & food trucks
  • Cleaning companies
  • Mobile vendors & repair techs
  • Any business using valuable tools or machines

If your gear is essential to your daily operations, this policy helps protect your bottom line.

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Why Florida Businesses Work with Us

01

Support for Tool-Heavy Businesses

We understand the risks of working outdoors, in coastal weather, or on the move.

02

Clear Help on Policy Types

We'll walk you through the difference between equipment breakdown, inland marine, and tool floater options.

03

Quick Claims Support

If your gear's out of commission, time is money. We work with carriers that respond fast when it matters.

FAQs About Equipment Insurance in Florida

  • Does commercial property insurance cover my equipment?

    Sometimes-but only if the equipment is stored on-site. If you use gear offsite, you may need a separate inland marine or tool policy.

  • What's the difference between equipment breakdown and physical damage coverage?

    Breakdown covers sudden internal failures (like electrical shorts). Physical damage covers losses from theft, fire, or accidents.

  • Is equipment coverage just for contractors?

    Not at all. Restaurants, retail shops, and cleaning services use equipment that can be insured, too.

  • Can I get coverage for rented or leased equipment?

    Yes-many policies offer options for short-term or leased gear. Just let us know what you're using.

  • Do I need to list every tool or item I want to cover?

    Not always. Some policies use blanket limits; others require a schedule. We'll guide you based on your setup.

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Protect the Tools That Power Your Business

From drills to deep fryers, if you rely on it-we can help you cover it. Let's build the right equipment policy for your day-to-day operations.