---
title: "Does Builders Risk Cover Tools?"
description: "Often not for a contractor’s own tools; tools may need a separate tools or equipment floater."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-tools"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Tools?

Often not for a contractor’s own tools; tools may need a separate tools or equipment floater.

The ISO specimen distinguishes property becoming part of the building from contractor-owned equipment and tools, which are not necessarily covered project property. The NAIC glossary separately describes tools and equipment floaters for movable contractor property. A tool used to build the project is not necessarily insured merely because it is onsite. Check the definition of covered property, ownership and custody requirements, and any temporary-property extension. Ask whether hand tools, rented items, theft, and property in a vehicle need a separate inland marine or equipment policy. For movable tools, ask the contractor to show a scheduled tools or equipment floater and check whether it follows tools between jobs, vehicles, and storage. Builders risk may still cover a separate insured building loss caused by a covered event involving a tool, depending on the form, but that does not mean the tool itself is covered. Verify ownership, theft conditions, and any rented-item responsibility.

## Related Questions

- [Does Builders Risk Cover Contractor Equipment?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-contractor-equipment)
- [Does Builders Risk Cover Rented Equipment?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-rented-equipment)
- [Does Builders Risk Cover Scaffolding?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-scaffolding)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25.
2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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