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Old 04-20-2019, 03:56 PM   #1
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Hey guys, what are you all doing for insurance on all your tools? Anyone find a place you can insure them?
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Old 04-20-2019, 04:18 PM   #2
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Originally Posted by Nixon View Post
Hey guys, what are you all doing for insurance on all your tools? Anyone find a place you can insure them?

They are covered under my general liability policy


if i continue to work on aging homes it is getting suggested that I get E&O coverage
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Last edited by electricguy; 04-20-2019 at 04:20 PM.
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Old 04-20-2019, 08:21 PM   #3
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Hey guys, what are you all doing for insurance on all your tools? Anyone find a place you can insure them?
As an employee, I used to have a rider on my house policy to cover them.. Had to use it once, and then talking with my agent, I think I was covered even if I didn't have it.
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Old 04-20-2019, 08:59 PM   #4
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We have it two-fold. We have it on our general liability and then we have an additional rider on our vehicles. This rider takes care of tools not normally kept in the truck as well as the shelving, divider, etc that is not a tool or part of the van.

Not that somebody is going to steal the divider or shelving, but if the truck gets trashed in an accident it is covered separately.

Cheers
John
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Old 04-20-2019, 09:13 PM   #5
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Once had someone break a side window and steal a couple of battery drills from my service van. Even with insurance it was cheaper to just fix the window and buy new drills than make a claim.
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Old 04-20-2019, 11:19 PM   #6
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Once had someone break a side window and steal a couple of battery drills from my service van. Even with insurance it was cheaper to just fix the window and buy new drills than make a claim.



That shattered my illusion of the great white north. I thought you guys were too polite to rob on another!
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Old 04-20-2019, 11:29 PM   #7
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That shattered my illusion of the great white north. I thought you guys were too polite to rob on another!
Apparently we have a porous border...

Cheers
John
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Old 04-20-2019, 11:32 PM   #8
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Apparently we have a porous border...

Cheers
John
Don't we all?

You guys need a wall?

We get MS13 murderers down here through ours!
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Old 04-20-2019, 11:51 PM   #9
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That shattered my illusion of the great white north. I thought you guys were too polite to rob on another!
He didnít have to break my window, all the doors were unlocked
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Old 04-21-2019, 08:06 AM   #10
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He didnít have to break my window, all the doors were unlocked



That sounds more like what I think Canada is like!
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Old 04-21-2019, 08:19 AM   #11
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Thanks for all the input guys!
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Old 04-21-2019, 09:54 AM   #12
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Thanks for all the input guys!
Hey before you go. Be sure to document the serial numbers of the tools that have them and take pictures of all your tools. Save receipts if you can too. The more documentation the easier it is to get your claim paid.
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