Your mowers do not live at your office. Cover them where they are.

Equipment theft is a constant for landscapers, and the coverage that surprises people is the one that should protect it. Standard property insurance is tied to a fixed location, so it often does not follow your mowers, blowers, and trailers to the jobsite or on the road, where the theft actually happens. Tools and equipment coverage, a form of inland marine, is what follows the gear.

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Tools and equipment coverage, a form of inland marine, protects the mowers, blowers, trimmers, and trailers your landscaping business depends on against theft and damage, including off-site and in transit, where standard property insurance tied to a fixed location does not reach. It can be scheduled (each item listed) or blanket (a total limit) and can include rented or borrowed equipment.

Why standard property is not enough

Standard commercial property covers assets at your listed location. Your landscaping equipment is almost never there, it is on the trailer, at the jobsite, or in transit, which is exactly where it gets stolen or damaged. Inland marine and equipment coverage is written to follow movable property off premises, so a mower stolen off a trailer overnight is actually covered.

Theft off trucks and trailers

The classic landscaping loss is thousands of dollars of gear walking off a trailer overnight. Whether your policy pays depends on whether it covers theft away from your premises and how the equipment is scheduled or blanketed. We size the coverage to the real value of your gear and confirm off-premises theft is included, because that is where the losses happen.

Scheduled, blanket, and rented gear

Equipment coverage can list each valuable item (scheduled) or cover everything up to a total limit (blanket), and a good program often mixes both, scheduling the expensive machines and blanketing the small tools. If you rent or borrow equipment for big jobs, the policy should contemplate that too, so a damaged rental is not an out-of-pocket loss.

How we handle it

We size your tools and equipment coverage to what you actually own and haul, confirm theft away from your premises is covered, schedule the high-value machines, and include rented equipment where you use it. We coordinate it with your commercial auto so the gear is covered in transit and the trailer is covered on the auto policy.

Reviewed for insurance accuracy by Richard Sweet, Vantage Point Risk. Last reviewed July 16, 2026. How we review this.

Frequently asked

Common questions.

Does my policy cover stolen landscaping equipment?

Only if it covers property away from your premises. Standard property insurance is tied to a fixed location and often does not follow mowers and trailers to the jobsite or on the road, where theft happens. Tools and equipment coverage (inland marine) is what responds to gear stolen off a trailer or truck, which is the most common landscaping loss.

What is inland marine for a landscaper?

Inland marine covers movable and off-premises property, your mowers, blowers, trimmers, and trailers, in transit and at the jobsite, where standard property insurance does not reach. For a landscaper whose equipment is constantly on the road, it is the coverage that actually protects the tools the business runs on.

Should I schedule my equipment or use a blanket limit?

Often both. Scheduling lists each valuable machine with its own limit, while a blanket covers everything up to a total. A good landscaping program tends to schedule the expensive mowers and blanket the smaller tools. We size it to your gear so a theft or damage claim is covered to value.

Is rented or borrowed equipment covered?

It should be, if you rent or borrow. Rental agreements often make you responsible for damage or loss, so the coverage should contemplate rented and leased equipment, not just what you own. We confirm how your policy treats it so a damaged rental is not out of pocket.

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Is your gear covered where it actually is?

Standard property stops at your office. We make sure your equipment is covered on the trailer and at the jobsite.

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We size coverage to what you own and haul

We confirm off-premises theft is covered

We schedule the expensive machines

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Coverage

Protect the equipment your crews run on.

Tell us what you own and haul, and we will place tools and equipment coverage that follows the gear and is sized to value.