Tools, Stock and Gadget insurance

Tools, stock and gadget insurance

Whatever line of work you’re in, you probably rely on some form of equipment to help get the job done. But what if something happened to your tools, gadgets or machinery? With insurance from Aviva, you don’t have to worry.

Available as an optional extra when you buy our public liability insurance, having tools, stock and gadget insurance means if the tools of your trade are lost, stolen or damaged, we’ll make sure you get back up and running.

Do I need tools, stock and gadget insurance?

Could your business survive financially if you needed to replace the equipment you rely on? Tools, stock and gadget insurance from Aviva gives you the reassurance that if you were left without your equipment, your business could get back on track. With us, you’re covered against loss or accidental damage as well as theft – and you’re covered at any premises, whether on- or off-site.

Why choose Aviva?

Cover against loss, theft and accidental damage

Insure the tools of your trade, and you can be safe in the knowledge that if anything happens to your business equipment, we’re on hand to help you get sorted.

Protects you, your employees and visitors

If your tools go astray, an employee’s laptop is stolen or a visitor’s smartphone is damaged while in your custody, we’ll pay out to help replace them.

Simple claims

Need to make a claim? With Aviva it’s quick, easy, and straightforward – and all dealt with by our UK claims centre. That’s another load off your mind.

What’s included

  • The cost of replacing lost, stolen or damaged business equipment
  • Covers overnight theft from an unattended vehicle as standard, subject to policy terms and conditions
  • The cost of repairing or replacing contractor tools and trade stock
  • Insurance for gadgets including mobile phones, tablets, laptops and computers
  • Cover for employees’ and visitors’ personal belongings or tools whilst in your control
  • Up to £500 cover for trade samples and promotional merchandise
  • If we can’t repair your computer equipment, we’ll pay to replace it with equipment of equal or next-nearest performance

Apply now

If you run a business (either by yourself or with one to nine employees), you can buy our tools, stock and gadgets insurance online.

If you have more than nine employees you can buy through a broker.

Other business cover

Choose a core cover, Buildings and Contents or Public liability, then explore our range of options for boosting your cover.

Got a question?

We answer some of the most frequently asked questions about tools, stock and gadget insurance.

How much cover do I need?

To work out how much cover you need, start by writing down how much you think it would cost to replace all your essential tools, trade stock (cost price) and business equipment. Make sure that you include any equipment that you provide your employees with as well.

Once you’ve done that, check your existing policies to see what’s already covered. You only want to pay for cover you need, so there’s no point paying twice for the same thing. You might, for instance, already have mobile phone insurance – and in that case you won’t need to include the cost of replacing your phone when working out how much cover you’ll need.

What’s not included?

Our tools, stock and gadgets insurance doesn’t include cover for:

  • Overnight theft from a vehicle, unless the keys have been removed from the vehicle, all manufacturer’s security devices have been put to use and any unattached trailers have anti-hitching devices that are put into effect
  • Storm damage, malicious damage or theft of property from a soft/open topped or open-sided vehicle
  • Damage caused by theft or attempted theft if there are no visible signs of entry to the building, where the building can’t be locked, or if your premises are unoccupied for more than 45 days
  • Wear and tear
  • Mechanical or electrical breakdown
  • Moveable property in the open caused by wind, rain, hail, sleet, snow flood or dust
  • Faulty or defective design, materials or workmanship
  • Damage caused by pollution or contamination
  • Acts of fraud or dishonesty
  • Acts of terrorism
  • The excess as stated in the schedule which we will deduct from each and every claim

What’s included under gadgets?

Gadgets include mobile phones, smartphones, tablets, laptops and computers.

What if I use personal gadgets for business purposes?

If you use your own gadgets for work, they’ll be covered under our tools, stock and gadgets insurance. We provide up to £500 for personal items that belong to you, your employees, customers or visitors if they’re not insured separately (such as through home insurance).

What if I bought my insurance from a broker?

If you purchased your Aviva insurance policy through a broker, please contact them for help with any queries you might have.


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