Coverage designed for tool trucks, inventory on wheels, and route-based tool sales.
- Coverage for tool trucks and mobile inventory
- Options for auto, liability, and tool coverage
- Built for independent and franchised tool dealers
Get a Quote – BIG BUTTON TAKES TO FORM
Who This Insurance Is For
This coverage is designed specifically for mobile tool dealers who sell directly from a truck or van and carry inventory on the road.
It’s a good fit for independent tool dealers, franchised routes, and multi-truck operations that need coverage built around how they actually operate.
Coverage Options for Tool Dealers
General Liability
Helps protect against claims involving bodily injury or property damage that can occur while operating your route or servicing customers.
Commercial Auto
Coverage for tool trucks and vans used in daily operations, with options for liability and physical damage.
Tool & Inventory Coverage
Coverage designed to protect tools and inventory carried on the truck, which are often not fully covered under auto policies.
Hired & Non-Owned Auto
Coverage for vehicles you rent, borrow, or don’t personally own but use for business purposes.
Optional Coverages
Additional options may be available depending on your operation and any lender or franchisor requirements.
Why Specialized Coverage Matters
Tool dealers face risks that standard business insurance often doesn’t address. Inventory values change, tools are constantly moving, and losses don’t always happen at a fixed location.
Coverage designed for mobile tool operations helps reduce gaps and ensures your truck, tools, and business are properly protected.
Common Questions
Does commercial auto cover the tools inside the truck?
Not always. Tools and inventory are often insured separately, which is why specialized coverage is important.
What if my inventory value changes frequently?
Policies can often be structured to account for fluctuating inventory values common with route-based sales.
Can coverage meet lender or franchisor requirements?
In many cases, yes. Policies can include required limits, additional insureds, or loss payees when needed.
Get a Tool Dealer Insurance Quote
Fill out the form below and we’ll review your operation and follow up with coverage options that fit your business.
[Form goes here]