Mobile Tool Dealer Insurance Coverage Checklist
The coverages a mobile tool dealer business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for franchised and independent mobile tool dealers. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto | Covers the tool truck on daily routes; personal auto won't cover business use. | Core | |
| Inland Marine / Inventory on Truck | Covers tools and equipment inside the truck, which auto policies exclude. | Core | |
| General Liability (Incl. Products) | Covers customers hurt on the truck and claims over tools you sold. | Core | |
| Crime / Money & Securities | Covers route cash and employee theft. | Prevalent | |
| Workers' Compensation | Required for helpers and drivers in most states. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over auto and liability; franchisors often require it. | Prevalent | |
| Cyber Liability | Covers customer card and account data on your devices. | Prevalent | |
| Vendor Coverage from Franchisor | Confirms the franchisor's products policy protects you as seller. | Prevalent | |
| Business Income | Replaces income if the truck and inventory are lost. | Situational | |
| Storage Location Property | Covers backup inventory at home or in a storage unit. | Situational |
The coverage gap most often missed
The gap most often missed by mobile tool dealers is the inventory itself. A commercial auto policy covers the truck, not the $100,000 or more of tools inside it, and a homeowners policy usually excludes business stock -- so a break-in at home or a crash can wipe out the inventory with no coverage. Carry an inland marine policy that covers stock on the truck, at home, and in storage, and check what your franchise agreement requires.
Send us the checklist and we'll review your mobile tool dealer coverage line by line, then market it across multiple carriers that compete for your account.
Related: Mobile Tool Dealer Insurance · Mobile Tool Dealer Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a mobile tool dealer business need?
The core coverages for a mobile tool dealer business are Commercial Auto, Inland Marine / Inventory on Truck, General Liability (Incl. Products). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my mobile tool dealer coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.