Insurance cover for tools
You’ll be pleased to know that you can get insurance protection for your tools and other contents, either as an add on to your van cover or as a separate insurance cover. Such cover will protect you against damage due to accident or theft of your equipment and tools that are attributed to your business. Again though, not all tool insurance is the same.
Be mindful that some policies don’t cover your tools if left in a van overnight. This might be useful, should you unload all of your tools at night and lock them somewhere safe and secure, but this may not always practical.
With that in mind, you might want to consider changing your policy to include overnight cover. This will typically cover your tools even if they are kept in the van overnight or if the van is left unattended outside of a locked garage or compound.
Be aware that even if you have this level of cover, insurers will typically apply additional security features on your policy on this level of cover, such as expecting that you have all doors and windows locked, that you haven’t left your keys in the van and that if you have an alarm, it is working properly.