Tool Insurance NZ made simple
Compare NZ tool insurance providers. Get quotes from State, AMI, and Builtin for tradies, builders, and contractors in minutes.
No upfront fees • 2 minute quotes • Leading NZ brands
Compare NZ tool insurance providers. Get quotes from State, AMI, and Builtin for tradies, builders, and contractors in minutes.
Your tools. Your livelihood. Protected.
Every year, Kiwi tradies lose tools worth tens of thousands of dollars. Don't let a break-in or accident put you out of business.
Theft & break-ins
Damage & accidents
Business continuity
Nationwide coverage
Leading NZ insurance brands
We partner with leading brands who understand local conditions and pay claims fast.
One of NZ's largest insurers. Known for competitive pricing and comprehensive tool coverage with nationwide service.
100% NZ owned and operated. Strong reputation for supporting Kiwi tradies with flexible tool insurance solutions.
Specialists in trade insurance. Deep understanding of contractor needs with policies designed for the building industry.
Tool theft costs NZ tradies millions annually. Insurance covers replacement costs so you're not out of pocket.
Minimize downtime with fast claims and temporary replacement tools while yours are being sorted.
From hand tools to heavy machinery, get coverage that matches your specific trade requirements.
Starting, tool insurance is much cheaper than replacing stolen equipment.
Get personalized quotes from New Zealand's top insurance providers in just 2 minutes.
Get My Free Quotes →Get answers to the most common tool insurance questions
Tool insurance protects your professional tools and equipment against theft, damage, and loss. It's essential coverage for tradies, contractors, and anyone who relies on tools for their livelihood.
Tool insurance premiums in NZ are set per application — there is no public flat rate. The price depends on your sum insured (total tool value), your trade and storage situation, your claims history, the excess (deductible) you choose, and how the cover is structured (contents-policy extension, specified-item add-on, or commercial business pack). The /apply quiz collects what insurers need to quote your real number.
Yes, tool insurance is worth it for anyone who relies on tools professionally. The cost of replacing stolen or damaged tools often far exceeds the annual premium, making it essential financial protection.
Most policies cover hand tools, power tools, equipment, and machinery used for business purposes. This includes items in your vehicle, at worksites, and in storage. Check with your insurer for specific inclusions.
Yes, most tool insurance policies cover tools stolen from vans and vehicles, which is one of the most common claims. Coverage typically applies whether tools are stolen from locked vehicles, work sites, or storage. Some policies may require specific security measures like deadlocks or alarms.
There is no single "best" insurer — the right provider depends on your trade, tool value, business structure, and storage situation. State and AMI offer tool cover via contents-policy extensions; Builtin is a specialist trade insurer; BizCover is a comparison platform for commercial lines. Quote at least two routes and read the policy wording before deciding.
Find the right coverage for your situation
Protection for tools stored and transported in your work vehicle.
Affordable coverage for apprentices starting their trade careers.
Coverage options for employees who own their work tools.
Protect bobcats, excavators, and earthmoving machinery.
Coverage for ride-on mowers and lawn care equipment.
Protect your power tools from theft and damage.
Find out if tool insurance makes sense for your situation.
Tool insurance pricing guide for NZ tradies.