Quick answer (November 2026)

Vehicle theft fell sharply in 2025, but work trucks are still prime targets, and the tools inside are often worth more than the truck. NICB counted 659,880 vehicles stolen in 2025, down 23% from 2024. The Chevrolet Silverado 1500 and Ford F-150 were both in the top 10. And a stolen van isn’t just a vehicle loss: it’s a tech who can’t work and a day of jobs that need to go somewhere else.

  • Insurance gap: commercial auto usually covers the vehicle, not the tools. Tools need their own coverage.
  • Prevention: better locks, nothing visible, smart parking, a hidden vehicle tracker, and a photographed serial-number list.
  • When it happens: police report first, insurer second, reassign the tech’s jobs third. Don’t go recover it yourself.

The call usually comes at 6:30 a.m. “Boss, the van’s been broken into.” Or worse: “The van’s gone.” Side door popped, shelves cleaned out, drills, saws, meters, and a drain machine that took years to pay off, all gone in under five minutes.

Theft hits trade companies twice: once for what’s stolen, and again for the jobs that tech can’t do until he’s back in business. Here’s how to make your trucks a harder target, make sure you’re actually insured, and keep the day running when it happens anyway.

The numbers: what thieves are taking

The National Insurance Crime Bureau reported 659,880 vehicles stolen in 2025, a 23% drop from 2024 and the lowest level in decades, according to Insurance Journal’s coverage of the report. Pickups were still among the most stolen:

Rank (2025)VehicleThefts
#4Chevrolet Silverado 150016,764
#7Ford F-15010,102

Source: NICB 2025 vehicle theft data, via Insurance Journal, March 2026.

Those numbers only count whole vehicles. Break-ins where thieves take the tools and leave the van don’t show up there, and for most trade companies, those are the more common loss.

Where work vans get hit

The insurance gap most owners miss

This is where owners get burned. Each policy covers a different piece:

PolicyUsually coversUsually doesn’t
Commercial auto (with comprehensive)Theft of or damage to the vehicle itselfTools and equipment inside it
Commercial property / BOPProperty at the business address on the policyTools out in vans and on job sites
Tools and equipment (inland marine)Tools and movable equipment wherever you take them, including theft from job sites and vehiclesWear and tear, and the vehicle itself

A few details matter when you buy tools coverage, according to Insureon:

Ask your agent directly: “If a tech’s van gets broken into tonight and $15,000 in tools are taken, what pays?” More on coverage in contractor insurance requirements by state.

Protecting the vehicle

Protecting the tools

Take-home vans: rules for your techs

If techs take vans home, put the rules in writing:

☐Where the van can park overnight, and how (doors against a wall, lit area).
☐Which tools come inside at night.
☐What to do and who to call if it’s broken into or stolen.
☐Monthly photo check of the truck’s tool inventory.

One caution: be careful about making techs pay for stolen company tools. Federal and state laws limit deductions from wages, and some states broadly prohibit them. More in our damage-claims guide.

Trackers: what works and what doesn’t

When it happens: the first hour

  1. Make sure everyone’s safe. Nobody chases a thief or confronts anyone.
  2. Call the police and get a report number. Insurers will ask for it.
  3. If you have a tracker location, give it to police. Don’t go recover it yourself.
  4. Photograph the scene: broken locks, glass, empty shelves.
  5. Pull the serial-number list and send it to police.
  6. Notify your insurer for both the vehicle and the tools, under whatever policies apply.
  7. Watch resale sites and local pawn shops for your marked tools, and pass leads to police.

Keeping the day running

While the police report gets written, that tech’s schedule still exists. Customers are waiting. The faster those jobs move, the less the theft costs you:

VortechPro makes that reshuffle fast. Open the board, put the stranded tech’s jobs back out, and they’re offered to your best available techs first, with the closest one winning. Specialist tags keep jobs that need special tools on techs who have them. $99/mo for 5 techs, +$20 each.

A van down shouldn’t mean a day lost

VortechPro reassigns jobs to the closest qualified tech in minutes, with GPS, photos, and specialist routing included. $99/mo for 5 techs, +$20 each. 30-day free trial, no contract.

FAQ

Does commercial auto insurance cover tools stolen from a work van?
Usually not. Commercial auto with comprehensive coverage typically covers theft of or damage to the vehicle, not the tools inside. Tools are usually covered by a separate tools and equipment (inland marine) policy. Ask your agent exactly what pays if tools are stolen from a van.
What insurance covers stolen contractor tools?
Tools and equipment insurance, also called inland marine or an equipment floater, covers tools and movable equipment wherever you take them, including theft from job sites and vehicles. Choose replacement cost or actual cash value, and note that high-value items over about $2,500 may need to be scheduled separately.
Which work trucks are stolen most?
In NICB's 2025 data, the Chevrolet Silverado 1500 ranked fourth with 16,764 thefts and the Ford F-150 ranked seventh with 10,102. Overall vehicle thefts fell 23% from 2024 to 659,880.
How can I protect tools in a work van overnight?
Keep nothing visible, use locked storage inside the van, upgrade factory door locks, park with doors against a wall in well-lit areas, take the most expensive tools inside overnight, mark tools with your company name, and keep a photographed serial-number list.
Can a field service app track a stolen van?
Generally no. Field service and dispatch apps track the technician's phone while they're working, not the vehicle. For theft recovery, install a hidden, hardwired GPS tracker in the vehicle.
What should I do if a work van is stolen or broken into?
Make sure everyone is safe and don't confront anyone. Call police and get a report number, give any tracker location to police instead of recovering it yourself, photograph the scene, send police your serial-number list, notify your insurer, and reassign the tech's jobs for the day.
Can I make technicians pay for stolen company tools?
Be careful. Federal and state laws limit deductions from wages, and some states broadly prohibit them. Check your state's rules before deducting anything from a paycheck.