Comprehensive tool cover insurance protecting your professional tools against theft, damage, loss, and business interruption. Get covered.
Get Tool Cover QuoteTool cover insurance is comprehensive protection for your professional tools and equipment. Unlike basic insurance, tool cover provides extensive protection including business interruption, worldwide coverage, and specialized trade-specific benefits.
Protection against theft, accidental damage, fire, flood, and virtually any risk to your tools.
Coverage for lost income when you can't work due to tool theft or damage.
Many policies extend coverage internationally for tools taken overseas.
Understanding the difference between basic and comprehensive tool cover
| Feature | Basic Tool Insurance | Tool Cover Insurance |
|---|---|---|
| Theft Protection | ✓ | ✓ Enhanced |
| Accidental Damage | Limited | ✓ Comprehensive |
| Business Interruption | ✗ | ✓ |
| Temporary Replacement Tools | ✗ | ✓ |
| Worldwide Coverage | ✗ | ✓ Optional |
| New Tool Automatic Cover | Limited | ✓ Extended |
Comprehensive protection for all your professional equipment
All manual tools including hammers, screwdrivers, wrenches, and specialty hand tools.
Electric and battery-powered tools including drills, saws, grinders, and impact tools.
Larger equipment like generators, compressors, welders, and testing equipment.
Toolboxes, cases, bags, and storage systems that house your tools.
Compare comprehensive tool cover policies from top NZ providers
Answer a few quick questions and we'll match you with insurers that cover your trade and tool value. About 3 minutes — no obligation.
Start My Free QuoteFree service · No obligation · Compare NZ insurers