Tools & Equipment Coverage for energy contractors

Yes, with tools & equipment coverage in place. This is one of the most common energy-contractor claims — a van broken into overnight with panels, inverters, or tools stolen.

High-value equipment should be scheduled individually at replacement cost rather than lumped into a blanket limit, which pays a flat sublimit that often falls short on expensive items.

Often yes, with the right endorsement — important if you rent lifts, generators, or specialized tools for larger jobs and are contractually responsible for their loss or damage.

Serial numbers, purchase receipts or values, and photos speed up a claim significantly. We help you set up a simple equipment log before a loss happens.

Cost is driven by crew size, trade focus, vehicle and equipment value, payroll, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes energy-contractor programs nationwide — California, Texas, the Northeast, Pacific Northwest, Southeast, and everywhere the trade operates.

Typically 15 minutes on a call. Larger or higher-value programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for energy contractors declined over a prior claim, theft loss run, OSHA citations, or other issues. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers — and far easier to manage at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A.M. Best A+ where possible) carriers so the coverage is there when a jobsite injury or equipment loss hits.

Yes. Each trade carries a different risk profile — roof-fall exposure for solar, refrigerant handling for HVAC, arc-flash for electrical, and confined-space work for insulation crews. We tailor each program accordingly.

High-value items are scheduled individually at their real value — not a flat blanket rate. Proper individual scheduling is what ensures a theft or damage claim pays what the equipment was actually worth.

Crew size and trade focus, vehicle list, tools and equipment values, payroll, current coverage, and loss history. The more detail, the more accurate the quote.

Yes — errors & omissions covers the financial-loss side of a design, sizing, or recommendation mistake, separate from general liability's bodily-injury and property-damage coverage.

Equipment claims are paid against records. Incomplete serial numbers, purchase value, or photos mean delays and reduced payments. We help you document your equipment properly up front so a claim is settled quickly and fully.

Yes. If you run multiple install crews, subcontract work, or operate from more than one shop, we build one coordinated program covering owned and subcontracted operations with no gaps.