Specialty Brokerage · Commercial Construction

Tools and Equipment Insurance for Contractors at $1M+

For established contractors with serious value tied up in tools, machinery, and rented equipment, the right coverage follows that property to the job site, down the road, and back to the yard. UCI helps you set up protection that responds when equipment is stolen, damaged, or knocked out of service, so a single loss is less likely to stall the work.

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

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TRUSTED PILOT

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CPCU · CRIS

Credentialed Advisors

What We Do

Tools and Equipment Coverage Sized to the Way You Work

We help established contractors protect the tools, machinery, and rented equipment that keep jobs moving: the property that travels between sites, sits on active projects, and waits in the yard between jobs.

A standard commercial property policy usually covers your office or shop, not the equipment once it leaves the door. Before a loss puts that to the test, UCI reviews how your current coverage handles owned, rented, and borrowed equipment, where values may be out of date, and where a claim could leave the business paying out of pocket.

Our Approach

A Better Process for Designing Your Tools and Equipment Coverage

Our four-step process matches coverage to the equipment you own, the gear you rent, and the way it all moves between sites.

The result is more than a policy quote. It is a program shaped by contractor insurance experience and designed to respond when equipment is stolen, damaged, or knocked out of service.

Discovery

Take Stock of What You Own, Rent, and Move

UCI reviews your current equipment coverage, the schedule of machinery and tools you own, the rental and lease agreements you sign, and your recent loss history. The goal is to find equipment that is undervalued, uncovered, or missing from the policy before a claim is the thing that brings it to light.

Design

Match Limits to the Equipment You Actually Run

UCI designs coverage to fit the equipment you own, the gear you rent, and how often it moves, so limits and values reflect what the property is worth now and what it would cost to replace it or to rent a substitute while a machine is out of service.

Placement

Arrange Coverage With Carriers Who Understand Equipment

Once the design is set, UCI brings the program to carriers who know contractor equipment and how it actually gets used, hauled, and stored. We compare how each option values your machinery, treats rented and borrowed gear, and pays on theft, damage, and equipment in transit, so the coverage holds up the day you need to file.

Stewardship

Keep Coverage Current as Your Equipment Changes

UCI stays involved after coverage is in place, helping with certificate requests, rental agreement questions, claims coordination, and updates as you buy, sell, or upgrade equipment through the year. Keeping your equipment list and values current means a machine you just bought, or one you recently sold, is less likely to create a coverage surprise when you file.

Coverage Depth

Tools and Equipment Coverage Made for Larger Contractor Risks

Equipment coverage matters most the day a machine is stolen off a site, damaged in a rollover, or sidelined for repairs in the middle of a job. UCI sets up the program so values, limits, and the way rented and owned gear are treated all work together when a loss lands.

Cover Owned Equipment Wherever It Travels

Your machinery rarely sits still. It moves between job sites, rides on trailers, and waits in the yard between projects. UCI reviews how your coverage follows owned equipment across those locations, so a loss on the road or on an active site is treated much like a loss at your own shop.

Account for Rented and Leased Equipment

When you rent a crane or a lift for a job, the rental agreement usually makes you responsible for damage, theft, and the rental charges that keep running while the equipment is out of service. UCI reviews those agreements and confirms whether your coverage answers for rented and leased gear, not only the equipment you own outright.

Plan for Theft and Damage on the Job Site

Job sites are open, busy, and hard to lock down, which makes tools and equipment a common target for theft and a regular casualty of accidents. UCI reviews how your policy handles stolen and damaged equipment, including how it values what is lost, so a bad day on site is less likely to become a bad month for cash flow.

Keep a Lost Machine From Stalling the Job

When a key machine is stolen or down for repairs, the work can stop with it. Some equipment programs help cover the cost of renting a replacement so the schedule keeps moving, and some do not. UCI reviews whether your coverage includes that kind of help and sizes it against the equipment your jobs depend on most.

Cover New Equipment From the Day You Buy It

Contractors buy and upgrade equipment throughout the year, and a new machine should not sit uncovered while paperwork catches up. UCI reviews how your policy treats newly purchased equipment, including the window and limits that apply before you report it, so a recent purchase is accounted for if something happens early.

The Team

Meet Your Tools & Equipment Insurance Advisors

When you call UCI, you reach a senior advisor by name, not a routing queue. These are the people who will handle your engagement.

Ryan Munoz

CRIS · MBA · Licensed P&C Agent

Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.

Joe Grebenstein

CRIS · B.L.A.S., Arizona State

Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.

Joe Hennessey

Licensed P&C Broker · Construction Specialist

Years of experience working with hard-to-place construction trades and niche contractor operations on high-stakes commercial projects.

Shawn Jason

Property and Casualty Licensed · CRIS Certified

Extensive experience supporting contractors with customized insurance programs, risk strategies, and coverage solutions for complex construction operations.

Client Voice

Why Contractors Choose UCI for Tools and Equipment Coverage

“Miami Roofing Solutions has had an excellent experience working with Affordable Contractors Inc. for our General Liability coverage. Their team provides outstanding service, quick response times, and competitive pricing tailored to contractors in the construction industry. They are professional, knowledgeable, reliable, and make the insurance process smooth and efficient. We highly recommend Affordable Contractors Inc. to any contractor or business looking for a dependable insurance agent who understands the industry and delivers great value.”

“Dennis V was absolutely the greatest. He listened to our needs and got us the coverage we needed in a timely fashion. He was super knowledgeable, professional, and extremely nice as well as accommodating. I would highly recommend him to anyone in need of commercial business insurance.”

“Quick response and follow up call to discuss my needs. The estimate came fast and included options to limit my exposure beyond a standard policy. I shopped around but came back to ACI because of their knowledge, guidance and my general ease of understanding what I was getting. Joelle was great to work with. My new liability policy will grow with my business and keep me protected!”

“This was my first time searching for this type of insurance, and Joe made the process simple and informative. He understood what I needed, clearly explained the different coverage options, and gave me the information I needed to make a confident decision. He was patient with my limited internet experience and walked me through each step until everything was complete. After 30 years in construction, this was by far one of the most helpful and easy-to-understand insurance conversations I've had. I will definitely recommend Affordable Contractors Insurance to other contractors.”

“They made it easy to get the specialty coverages I needed. So many others struggled to get me what was required and they knew what was needed and how to handle it. Amazing group and they got me up and running fast for way less than I was quoted elsewhere.”

*UCI is a division of Affordable Contractors Insurance (ACI)

Start the Conversation

Request a Tools and Equipment Risk Review

A risk review is a discovery call with a senior insurance advisor to talk through your business, your equipment, and the coverage you carry now. After the call, we’ll put together a clear analysis of your tools and equipment coverage that you can use to make informed decisions.

Who We Serve

Tools and Equipment Programs for Specific Contractor Types

UCI works with established contractors whose equipment moves across job sites, travels between states, and represents serious value on the books. The contractor types most often engaged with UCI include:

General Contractors and Construction Managers

Running fleets of owned and rented equipment across multiple active sites.

Concrete and Paving Contractors

Pumps, mixers, screeds, and rollers that face hard use and frequent transport.

Equipment-Intensive Specialty Trades

Drilling, demolition, landscaping, and other trades whose tools and machines are the business.

Mechanical and Electrical Contractors

Specialized tools, lifts, and machinery that move from job to job.

Roofing and Exterior Trades

Hoists, compressors, and crews' tools spread across rooftops and active sites.

Restoration and Environmental

Pumps, generators, and drying or remediation equipment staged across job sites and storage.

Heavy Civil and Site Work Contractors

Excavators, loaders, graders, and haul equipment that carry high values and long hours.

Crane, Rigging, and Specialty Lift Operators

High-value machines where a single loss can run well into six figures.

FAQ

Common Questions About Tools and Equipment Insurance

Does my commercial property policy already cover my tools and equipment?

Usually only at a fixed location, like your office or shop. A standard property policy is generally written for property that stays put, so it often does not follow equipment to a job site, onto a trailer, or into storage. Tools and equipment coverage, sometimes called inland marine or contractors equipment coverage, is designed to fill that space. UCI reviews where your current policy stops and where the equipment coverage needs to begin.

Are rented and leased machines covered, or only the equipment I own?

That depends on how your policy is written. Many contractors are surprised to learn their coverage answers for owned equipment but not for the cranes, lifts, or trucks they rent for a single job, even though the rental agreement makes them responsible for damage and loss. UCI reviews your rental and lease contracts and confirms whether your coverage follows the gear you bring in, not only what you own outright.

How is my equipment valued if it is stolen or destroyed?

Two common approaches are replacement cost, which is roughly what it would take to buy similar equipment new, and actual cash value, which factors in age and wear and usually pays less. The difference can be large on a machine that has been in service for years. UCI reviews how your policy values equipment so you know what a claim is likely to pay before a loss, not after.

What happens to the job if a key machine is out of service?

When a machine is stolen or down for repairs, work can stall until it is replaced. Some equipment programs help cover the cost of renting a substitute so the schedule keeps moving, and some do not include that at all. UCI reviews whether your coverage offers that kind of support and sizes it against the equipment your projects depend on most.

We buy and sell equipment all year. How do we keep coverage current?

Most policies give newly purchased equipment a short window of automatic coverage up to a set limit, but a machine left unreported for too long, or one sold but still on the list, can create problems at claim time. UCI helps keep your equipment list and values current through the year, so coverage tracks what you actually own.

When should a contractor request a risk review instead of just asking for a quote?

A risk review makes sense when your contracts, project size, completed operations exposure, or certificate requirements have become more complex than a standard quote process can address. For established contractors, the question is not only what the policy costs — it is whether the coverage can support the work you are bidding, the contracts you are signing, and the risks your business carries.

KEEP YOUR EQUIPMENT COVERED AND CURRENT

Tools and Equipment Coverage That Keeps Up With Your Crews and Machines

As your business grows, so does the equipment it runs: more machines, higher values, more gear moving between more job sites. Coverage written for last year’s fleet may not answer for what you own and rent today. UCI helps established contractors review whether their tools and equipment coverage still matches the work in front of them, and how it should respond when a machine is stolen, damaged, or out of service. A risk review with a UCI senior advisor is the first step.