Tools & equipment (inland marine) for auto repair shops
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
If your scanners, diagnostic gear, and hand tools are stolen, lost, or damaged — in the shop or on the road.
What it covers for auto repair shops
Property coverage (an inland-marine equipment floater) for the shop's movable tools and equipment — mechanics' hand tools, diagnostic scanners and computers, portable gear — including in transit for roadside or mobile service calls. A repair shop's revenue depends on owned tools and diagnostic equipment that building-tied property coverage handles poorly, especially when tools leave the premises.
Sources: California Department of Insurance — Commercial Insurance Guide (inland marine) (retrieved 2026-06-06)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for tools & equipment (inland marine), by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the tools & equipment (inland marine) benchmark for auto repair shops — same URL, real numbers.
Until then, see what auto repair shops need state by state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Florida · Georgia · all states →
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