If the tools you need to run your business are lost, stolen or damaged, it could interrupt your business continuity. To avoid losing money because you don't have access to the necessary equipment, you should have tools and equipment coverage. You need insurance coverage that includes both owned and non-owned items such as scheduled mobile equipment and travel lifts. Items that cannot be included are trailers, yard trucks and vehicles initially designed for use on public roads. The equipment is not restricted to a particular location, so it applies at job sites, other locations and while in transit.