We have 10m and i would suggest you shop around mate, don,t take the first quote as you can play em off with each other and get a better deal.
We also used have our tools covered as well , up to £3000 but no more than £630 on any one iten, which is a sickener cause you try buyin a megger tester for less than that.
We have been cleaned out 3x times over 23yrs S/E and each time we used to empty our vehicles at night, but unfortunately that same routine comes back where you can,t be bothered.