Contractor Shop & Yard Insurance
Contractors keep tools, materials, equipment and vehicles at a shop or yard between jobs. Those yards are a target for theft, and a shop fire can destroy the tools you need to work. Pacific Southwest Insurance Services insures contractor shops and yards, and can package the coverage with your commercial auto, general liability and bonds.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our contractor shop & yard clients include:
- General contractors
- Electricians and plumbers
- Landscapers
- Roofers and framers
- Concrete and paving contractors
- Specialty trade contractors
Coverage Options
- Building coverage: For contractors who own their shop or yard buildings.
- Contents and stock: Covers materials and supplies stored at your shop.
- Contractor’s equipment: Inland marine coverage for tools and equipment at the shop, on the road and on job sites.
- Fences, gates and yard lighting: Covers outdoor property.
- Business income: Replaces lost income if a loss keeps you from working.
- Crime: Covers employee theft and burglary.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Value of tools, equipment and materials
- Yard security: fencing, lighting, cameras
- Building construction and age
- Fuel or paint storage
- Location and crime rates
- Type of trade
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Tool and material theft: Yards are a common target for thieves.
- Vandalism: Equipment and vehicles in yards can be damaged.
- Shop fires: Welding, cutting and fuel storage start fires.
- Damage to vehicles in the yard: Storms and fires can damage trucks and equipment parked on site.
Tips for Contractor Shops and Yards
- Fence the yard, add cameras and lighting.
- Keep an inventory list of tools and equipment with serial numbers.
- Follow hot work safety rules for welding and cutting.
Frequently Asked Questions
Are my tools covered on the job site?
Only with contractor’s equipment or inland marine coverage. Basic property coverage usually protects tools only at your shop.
Can you bundle my shop, trucks and liability?
Yes. We can package property, commercial auto, general liability and your CSLB license bond.
What security do carriers want for yards?
Fencing, locked gates, lighting and cameras help. Some carriers require them for high-value equipment.
Are materials stored in my yard covered?
Yes, if they’re included as business property on your policy. We’ll make sure your yard and its contents are covered.
Do I need special coverage for equipment I rent to others?
Yes. Equipment rented to others needs specific coverage. Tell us how you rent it so we can insure it correctly.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Contractor Shop & Yard Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.