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Tool insurance, also called Portable Property Insurance, can help protect insured property like tools, equipment and stock you use for work if they’re accidentally lost or damaged while away from your business premises, such as when they’re in transit or at a temporary work location.
Get up to 10% off when you buy an eligible new Business policy online.1
If you rely on tools and equipment to get the job done, tool insurance (also known as Portable Property) can help cover the cost of repairing or replacing insured property if they’re accidentally lost or damaged while you're working away from your business premises, whether that’s at a customer site or travelling between jobs.
For instance, if you’re a tradie and someone steals your insured tools from a locked work vehicle while you’re working at a customer’s property, portable property cover can help with a covered claim.2
Choose the cover that suits your business and spread the cost with monthly instalments
For support you can count on, chat with our Australian-based Business Insurance specialists
Contact us by phone, web chat, at a branch or via our claims helpline
Whether you're a tradie, sole trader or mobile business, we offer cover for a range of industries and occupations.
Remember to always read the Product Disclosure Statement (PDS) for all the ins and outs.
Get cover for the tools of your trade wherever work takes you in Australia.
Help protect the tools and equipment you use when providing domestic services or repair work.
Whether you’re visiting clients, working remotely or travelling for business in Australia, help cover the equipment you rely on every day.
NRMA Insurance has won Roy Morgan’s Most Trusted General Insurance Brand Award every year from 2019 to 2026.
Portable Property Insurance may help cover loss or damage to your insured tools and equipment caused by:
Accidental loss or damage
Fire and explosion
Theft from a locked vehicle or building following visible forcible entry
Theft involving violence or threats of immediate violence
Collision or vehicle overturning during transport
Storm, rain, wind, hail and flood3
Earthquake, tsunami and volcanic events
There are some things Portable Property Insurance doesn't cover:
Wear and tear, rust, corrosion or gradual deterioration
Mechanical, electrical or electronic breakdown
Damage caused by pests, insects or vermin
Damage caused by faulty materials or faulty workmanship
Inventory shortages or accounting errors
Losses that occur outside Australia
Any consequential loss, including any direct or indirect financial or economic loss such as loss of profits
Legal liability claims
Theft, dishonesty or fraud by family members living with you or employees in certain circumstances
Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS) for full details of what is and isn't covered.
Yes. If you’ve insured your tools and equipment under Portable Property and they are shown on your Certificate of Insurance, you may be covered if someone steals them from a locked ute or work vehicle after forcibly entering it.
Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS) for full details of what is and isn't covered.
Yes. Portable Property may suit sole traders who rely on tools and equipment to earn an income.
For example, if you’re a self-employed plumber carrying your tools between job sites and your insured equipment is accidentally lost or damaged while you’re working away from your business premises, this cover can help with a covered claim.
Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS) for full details of what is and isn't covered.
Home contents insurance may not cover tools and equipment used for business purposes. If you take tools away from your business premises for work, Portable Property cover can help provide cover specifically designed for business equipment that’s on the move.
Get a quote today to see how Portable Property cover can help protect the tools and equipment your business relies on.
No. You don’t need to list every tool individually. You can group your tools and other portable property together and provide the total value you’d like to insure.
For portable property valued over $15,000, call one of our Australian-based business insurance specialists on 132 818.
We’re here to help. We’ll talk through your cover with you and let you know if you need to list any items individually.
No two businesses are the same, so the cost of Portable Property cover will vary from business to business.
Get a business insurance quote to estimate how much it may cost and see how Portable Property cover can help protect the tools and equipment your business relies on.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
If you don’t have an account, chat with us online or call us on 132 818.
You can access your business insurance online account 24/7 to request your Certificate of Currency, download policy documents, and make online payments, all in one place.
