Tools and Equipment Coverage

Tools & Equipment includes coverage for contractors’ and cleaners’ tools and equipment. If they are stolen, lost or damaged, this coverage helps to pay for replacements or repairs.


NEXT Insurance is a one-stop shop for business insurance.

With an easy online platform, you can quickly get the coverage you need at an affordable price so you can focus on your work.

Business Categories - Tools and Equipment Coverage

This is not a comprehensive list.  If you don't see your specific business below, please still begin your quote - there are over 1300 business categories available.


  • Carpentry
  • Drywall and Wall boarding
  • Electrical
  • Garbage Collection
  • General Contractor
  • Handyperson
  • Landscaping and Lawn Care
  • Painting
  • Septic Tank System Cleaning


  • Carpet Cleaning
  • Floor Waxing
  • House Cleaning and Maid Service
  • Janitorial Services
  • Pressure Washing
  • Window Cleaning

Coverage Options

General Liability

Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business.

Professional Liability (E&O)

Coverage for business mistakes and accusations of negligence

Business Owners Policy (BOP)

This coverage packages liability and property coverage into one policy. Common for small businesses with commercial buildings or personal property.

Workers' Compensation

This protects you and your employees. It helps pay for things like medical costs and lost wages of employees who become injured or ill on the job.

Commercial Auto

If you use your vehicles for your business, you probably need this coverage. This can include traveling between job sites, making deliveries, or transporting tools and equipment.

Tools and Equipment

From power tools to safety supplies, if it’s essential to your work, it’s essential to protect it.

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