The tools and equipment gap most service contractors carry

A commercial property policy covers business personal property at a described location. The moment a compressor, trailer, or box of hand tools leaves that address, coverage narrows or disappears.

Inland marine solves this with scheduled equipment for larger items and a blanket small-tools limit for everything under a per-item threshold. Leased and rented equipment should be added when contracts require it.

Check the per-item limit, the blanket limit, and whether theft from an unattended vehicle is covered — that last one is where most denials happen.

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