Mobile Equipment Coverage Built for How You Work

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If you rely on valuable equipment that moves between sites, standard property insurance isn’t enough. An equipment floater protects your gear on the go—from theft, damage, or accidents during transport or use. We’ll build a flexible plan around your tools, your trade & your typical workday.

From Jobsite to Jobsite, Stay Protected

Equipment Floater Insurance for Tools That Travel

Coverage That Moves With Your Tools

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We Cover the Gear You Count On

Skid steers, welders, hand tools—if it’s crucial to your business, we’ll help you protect it with targeted, mobile-friendly coverage.

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We Adapt to Your Work Style

Whether you work from trucks, trailers, or temp sites, we’ll design a policy that keeps up—without limiting where or how you use your tools.

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We Break It Down Without the Jargon

We’ll explain what’s covered, what’s not, and how to combine floaters with other policies for full-circle protection that makes sense.

High-Value Equipment in Transit or Use
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High-Value Equipment in Transit or Use

Protect heavy-duty gear that moves between job sites or gets used in the field. Great for contractors, installers, landscapers & more.

  • Skid steers, compressors & generators
  • Power tools & job-specific tech
  • Damage during loading or use
  • Theft from sites or vehicles
  • Covers owned or leased items
Leased, Rented & Borrowed Tools
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Leased, Rented & Borrowed Tools

Many jobs require using non-owned equipment. We’ll help you insure what you rent—or protect your gear when others use it.

  • Short-term rental gear
  • Equipment on loan from partners
  • Coverage for subleased tools
  • Rented item replacement cost
  • Optional liability add-ons
Temporary Storage & Staging Protection
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Temporary Storage & Staging Protection

Your gear isn’t always in motion. We help cover tools left at job sites, stored in trailers, or kept in secured containers between shifts.

  • Job box or trailer storage
  • Theft or fire during downtime
  • Overnight jobsite coverage
  • Temporary off-site storage
  • Add-ons for security system discounts
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Get Clear on Tool & Equipment Coverage

Equipment Floater Insurance FAQs

  • What’s the difference between inland marine & equipment floater?

    Equipment floaters are a specific type of inland marine policy—focused on tools & machinery you use on the go.

  • Who needs this type of coverage?

    Contractors, tradespeople, event crews—anyone who uses tools that aren’t tied to one location.

  • What does an equipment floater cover?

    Theft, fire, accidental damage & some transit-related losses. We’ll help you customize based on your gear’s value & use.

  • Can I cover rented or leased tools?

    Yes, and many job contracts require it. We’ll help you secure proof of insurance for third-party gear.

  • How are premiums calculated?

    Based on equipment value, type, frequency of use & storage habits. We’ll help you balance cost with protection.

Your Tools Deserve More Than Basic Coverage

When your equipment earns you a living, you can’t afford to leave it underinsured. We’ll help you protect what powers your business—wherever the work takes you.


From trailers to job boxes, rented rigs to handheld tools—we’ll cover your mobile gear without overcomplicating the details or inflating the cost.

Let’s Set Up Your Equipment Floater

Want to Make Sure Your Tools Are Covered?