Does builder's risk insurance cover tools and equipment?

Generally, it doesn't cover contractor's tools and equipment; separate inland marine policies may be needed.

Builder's risk insurance may cover tools and equipment on-site if explicitly included in the policy. Separate policies are often needed for high-value or specialized tools.

Flooding damages equipment and materials at a job site. The builder adds a flood endorsement to their policy to cover future risks.

Understand the difference between builder's risk and general liability insurance to ensure your project is fully protected from all risks.