Protect the tools, gear, and equipment your crew depends on, on the jobsite, in the truck, or in transit. Coverage for theft, loss, and damage wherever the work takes you. Fast quotes from a tech-forward Utah brokerage.
Inland marine insurance, often called tools & equipment or contractor's equipment coverage, protects your business property when it's away from your fixed location: on the jobsite, loaded in the truck, stored in a trailer, or in transit between sites. Standard commercial property and Business Personal Property policies generally cover your contents at your address; inland marine is what covers your gear out in the field, where Utah contractors actually use it.
If a covered loss occurs, your tools are stolen out of a locked truck overnight, a generator is damaged on site, or equipment falls off a trailer in transit, inland marine coverage helps you repair or replace it so your crew isn't sidelined waiting on cash flow. It typically covers theft, fire, vandalism, and accidental damage to scheduled and unscheduled tools and equipment up to your chosen limit.
This coverage is essential for general contractors, electricians, plumbers, HVAC techs, landscapers, painters, framers, and other tradespeople, really any Utah business whose most valuable assets travel to the work instead of staying put. With jobsite theft an ongoing problem across the Wasatch Front and beyond, replacing a truckload of stolen tools out of pocket can stop a small operation in its tracks.
At Alcreo, we place tools & equipment and inland marine coverage with top-rated carriers, including The Hartford, Liberty Mutual, AmTrust, NEXT, CNA, and Travelers, and we can often bundle it with your general liability for a tidy, contractor-friendly package. As an independent Utah brokerage we shop the market for the right limits at a competitive price, and for many trades you can get an instant quote through NEXT and bind the same day.
Hand tools, power tools, and the gear your crew uses every day.
Property covered while it travels between sites or sits in your vehicle.
Coverage where the work happens, not just at your shop or office.
Built for electricians, plumbers, HVAC, landscapers, GCs and more.
Need to protect the gear that travels with your crew? Apply online in minutes and our licensed agents will compare tools & equipment coverage across our top-rated carriers, or get an instant quote through NEXT and bind the same day.
We schedule your equipment, set the right limits, and issue your certificate so you're covered on the jobsite fast.
Through our trusted MGA partner, BTIS (Builders & Tradesmen's Insurance Services), we can quote a wide variety of business niches — from contractors and small retail shops to professional offices and specialty risks. This partnership gives us access to a network of top-rated national carriers, allowing us to deliver competitive pricing and tailored coverage options across hundreds of industries.
