A trust trade working on the security of homes and businesses, often in emergencies – liability, serious tools cover, and indemnity for security advice.
Tools first, wording second, advice third: insure your kit at replacement cost under conditions that match your real working pattern, get liability at the limit your contracts demand, and add professional indemnity the day your work includes specifying or advising rather than just fitting. It's a modest premium for a trade whose claims arrive with the word "burglary" attached.