The situation
A contractor parks a van overnight with power tools inside. The van is broken into and several tools are stolen. Damage to the vehicle and loss of the tools may fall under different policies, deductibles and conditions.
情境
承包商把載有電動工具的貨車停放過夜，車輛被撬開，多件工具遭盜。車輛本身的損壞與工具損失，可能分別適用不同保單、自付額及條件。
Auto coverage may not cover the tools
Commercial auto or ICBC coverage may address insured damage to the vehicle, but tools and equipment carried inside are generally not treated as part of the vehicle. Separate contractors’ equipment, tools floater, inland marine or property coverage may be needed.
汽車保險未必保障工具
商業汽車或 ICBC 保險可能處理車輛本身的受保損壞，但車內攜帶的工具及設備一般不會被視為車輛的一部分。企業可能需要另行投保承包商設備、工具浮動保險、內陸運輸或商業財產保障。
Conditions and limits matter
Coverage may be subject to per-item and total limits, deductibles, valuation methods, locked-vehicle requirements, signs of forced entry, geographic territory and overnight-storage restrictions. Unscheduled tools, employee-owned property and leased equipment may be treated differently.
保單條件與保額十分重要
保障可能受每件及總保額、自付額、估值方式、車輛上鎖要求、強行進入痕跡、保障地域及夜間存放限制影響。未列明的工具、員工自有財物及租用設備亦可能有不同處理方式。
What to prepare before and after a loss
Keep an up-to-date inventory with serial numbers, receipts and photographs, and remove high-value tools when practical. After a theft, report it to police, protect the vehicle, document the damage and notify the broker or insurer promptly. Do not dispose of damaged locks or other evidence before receiving instructions.
損失前後應準備什麼？
請保存最新的工具清單、序號、收據及照片，並在可行情況下移走高價值工具。發生盜竊後，應報警、保護車輛、記錄損壞情況，並盡快通知保險經紀或保險公司。在獲得指示前，不要丟棄受損門鎖或其他證據。