Public liability insurance won't cover your tools, but you can insure your tools and your other equipment, e.g., laptops and smartphones used for work, with our tools cover. If your items are stolen or damaged because of an insured event, e.g., a fire, flood, storm or accident, we can cover the cost of replacing them, so you can concentrate on keeping your business running. From public liability to tools cover, you can include a range of different cover types within a single policy. Read more about our tools cover.