Standard trailer insurance doesn’t cover the tools and equipment inside — you need contractor trailer insurance riders to protect what’s really worth money. A loaded contractor trailer can hold $30,000–$80,000 in tools, and most policies cover only the trailer itself. This guide covers what contractor trailer insurance riders cover, how much they cost, and which carriers offer the best terms in 2026. For contractor trailer buying guidance, see our contractor trailers buyer’s guide.
What Standard Trailer Insurance Covers
Standard policies cover the trailer itself — collision, comprehensive, theft of the trailer chassis. Cost: $300–$800 per year for most contractor trailers.
What Standard Trailer Insurance Does NOT Cover
Tools and equipment inside the trailer. Stolen or damaged tools require separate riders.
Contractor Trailer Insurance Riders That Matter
Tools & Equipment Floater
Inland Marine policy covering tools and equipment regardless of location. $15–$40/month for $5,000–$25,000 of tools.
Business Personal Property Rider
Add-on to existing business policy. Covers contents at scheduled value. $10–$30/month.
Theft & Mysterious Disappearance
Specifically covers theft from a parked trailer. Standard riders sometimes exclude theft without forced entry.
Carrier Picks
Progressive Commercial: excellent contractor trailer policies, easy claims process.
The Hartford: small-business focused, good for tradesmen with employees.
Hiscox: niche commercial coverage, good for one-truck operations.
Required Documentation
Most insurers require photos and serial-number lists for high-value tools. Update annually.
Outbound References
For commercial vehicle insurance basics, see the Insurance Information Institute commercial vehicle resources.
Common Questions
Are tools covered when stolen from a job site?
With a Tools & Equipment Floater, yes. Without it, no.
What about equipment loaned to subcontractors?
Standard riders may exclude this. Add a “loaned equipment” endorsement.
