Cargo & Tools/Equipment Insurance
Tools, equipment, and hauled cargo fall outside general liability and standard commercial auto — they're typically covered under inland marine (for owned tools/equipment) and motor truck cargo (for materials being transported) policies instead. Fast, affordable quotes from California-licensed specialists — get a quote today.
Coverage availability, terms, and pricing vary by carrier, classification, risk profile, and state. Nothing on this page constitutes a binding coverage determination. Turnaround times for quotes and certificates of insurance depend on the completeness and accuracy of the information provided, the complexity of the risk, and carrier requirements. We are not responsible for delays caused by incomplete submissions or information not provided in advance.
Coverage availability, terms, and pricing vary by carrier, classification, risk profile, and state. Turnaround times for quotes and certificates of insurance depend on the completeness and accuracy of the information provided, the complexity of the risk, and carrier requirements. We are not responsible for delays caused by incomplete submissions or information not provided in advance.
Why Contractors Choose Us for Cargo & Tools/Equipment Insurance
Tools, equipment, and hauled cargo fall outside general liability and standard commercial auto — they're typically covered under inland marine (for owned tools/equipment) and motor truck cargo (for materials being transported) policies instead. Contractors frequently discover this distinction only after a job-site theft or in-transit loss gets denied under the wrong policy. We build tools & equipment programs that schedule your actual equipment list, and cargo coverage matched to what you actually haul, rather than assuming either is automatically bundled into general liability.
Why contractors choose us
- California Licensed Insurance Specialists — CA Lic. 0K70385
- Multiple Top-Rated Carrier Partners — We Shop, You Save
- Construction & Transportation Focus — We Know Your Trade
Carrier partners include:
+ 38 additional carrier markets
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Coverage in Your Cargo & Tools/Equipment Program
Coverage lines available for Cargo & Tools/Equipment Insurance operations. Not every line is required for every contractor — we'll help you build the right program for your risk profile and contract requirements.
Inland Marine (Tools & Equipment)
Coverage for owned tools and equipment against theft, job-site damage, and loss — not covered under general liability.
Motor Truck Cargo
Coverage for materials or equipment being hauled or transported.
Scheduled Equipment Floater
Itemized coverage for high-value equipment that benefits from individual scheduling.
Cargo & Tools/Equipment Insurance — Frequently Asked Questions
California-specific answers for cargo & tools/equipment insurance operations. For more, see our full contractor insurance FAQ or call 844-978-7283.
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Coverage availability, pricing, and terms vary by carrier, trade classification, risk profile, and state. The answers above are general in nature and do not constitute a binding coverage determination or legal advice. Availability is not guaranteed and depends on underwriting review.
Related Coverage & Resources
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