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Trying to get some ideas about what kind of coverage employers are providing their road techs for tools. For example, let's say a service truck is broken into and a tech's tools are stolen.
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'04 Excursion EB, 6.0 PS, 4X4, Magnaflow Performance exhaust, Isspro gauges (boost, pyro and tranny), Bilsteins, aFe intake, front and rear leaf spring upgrade w/ bags, 30mm rear sway bar, SCT Xcal2, Red-Head box, Jordan brake controller, Arctic Fox 29V - 20,420# GCW, Everything haulin' me, the wife, the 5 Amigos, Millie and Yogi (our 2 Berners).
I know that on all my company trucks the most my insurance agent would give me is $20,000 tool theft coverage. IF they steel the truck i get the truck money plus the tool coverage. If they break into the truck and steal the tools i get up to $20,000.
If the truck is parked out front of your home your home owners insurance might cover your tools.
but im pretty sure that your tools are your responsibility and the company isn't obligated to give you anything if their stolen.
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1994 7.3 I.D.I. Navistar 444 CI
ATS Factory TURBO E4OD Red On white Crew Cab DRW 4:10 w/ AUBURN LIMITED SLIP
3" ATS Exhaust and turbo housing, Banks Trans Command, calibrated pump, K&N filter, Gruss style coolant filter, 203K+MI not a lick of trouble with the motor. now on 16th trans. 10 under factory 100K mile warranty
Alpine CVA-7878 XM radio 6cd changer 3 8" phoenix gold subs 75x4 Sony mobile ES gold 4ch amp, Sony 500W 1ch amp MB quart components in Q forms kick panels. 1 farad cap.
Pro car parts jewel cut headlamps and turn signals
APC clear cab markers, suvlights.com harness silverstar bulbs and L.E.D.'s in the fenders. IT's paid for and its MINE!
Family Toys and tools,
00'F350 psd CC Drw 2wd Bright Amber Western Hauler
SOLD 01' Peterbilt 330 4Dr. Texas trucks conversion cAt 350hp
02' Psd Excursion Limited ultimate Estate Green helliwig swaybar 101K miles
1996 fetherlite 4 horse GN, 2003 sooner 6 horse GN with midtack
In yor profession I would call your local agent and see what they can do for you. If something happened you could be out 30+K in a hurry to replace everything.
I would bet there is something available for short money. Almost like a renters policy.
If you get nowhere with your agent let me know. My agent is a personal friend as well.
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1996 F-250 extended cab long box five speed. Home made Tymar, 203 Stat, 60 gal in bed fuel cell, 315/75's, no muffler, ebpv welded open 3" to 3" DP, Babies. 290K, still chugging, and still smoking when cold.
UPDATED 8/1/08 Replace so far. 1 LUK flywheel+clutch, 2 thermostats, 2 set of brakes, 1 set of calipers, 5 CPS, 3 sets of tires, 2 Transfer pumps, 1 Injector modual, 1 Computer, 2 Alt, 2 sets of batteries, 1 Water pump, 6 Belts, 1 PS hose, 2 Sets ball joints, 2 set u-joints, 2 carrier bearing, 2 Speed sensors, 1 oil pres sender, 1 temp sender, 4 sets of e-break cables, 1 front fuel tank, 2 rear fuel tanks, 2 set of glow plugs, 6 Glow plug relays, Oil galley o-rings, Turbo pedistal o-rings, EBPV o-rings, 3 sets of Injector O-rings, 1 Vac-pump, 1 new carpet.Total $$$ in repairs v/s miles driven = 3.0 cents per mile. Add fuel to that it jumps to 14.8 cents per mile over the life of the truck.
In a Union shop, lets say an auto dealership, within the union contract, it is the resposibility of the dealership to provide insurance for the tools of the union worker.
Never assume that an employer will cover your tools.
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'93 F-250 IDI, 4x4, K&N, no soup bowl, stock, with 265,XXX miles 5 speed, 3.55, kind of new LUK clutch, runs great, starts great, it is great. The truck is getting old.
with our service trucks we are covered against tool loss only if the truck is parked on company property or on company time and they must have a tool inventory on file with the company.
if setting in the techs driveway in the middle of the night and broken into which has happened we dont and wont cover the loss. its the tech who must provide insurance against loss when the truck is at their home.
as for the shop techs they are required to provide a detailed tool inventory and they need to keep it updated to have coverage against someone breaking into the shop.
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