Tools are typically not covered by standard commercial truck insurance policies. Commercial truck insurance primarily focuses on covering the truck itself, cargo, liability, and related aspects of trucking operations. However, some insurance providers may offer optional coverage or endorsements that extend coverage to tools and equipment carried in the truck. If tools are an essential part of your business operations and are regularly transported in your commercial truck, you should discuss your specific needs with our team to discuss potential options. We can advise you on available options for protecting your tools and equipment.