We are an insurance company with a policy covering a local building materials company on a commercial property policy, CP 00 10 04 02. That policy has a tool floater attached to it.

The company allows one of its employees to drive a company van to and from work and while on the job. This employee carries his own tools—worth about $50,000—in this van.

Recently, when the van was sitting in the employee's driveway, the tools were stolen from it. We are trying to find some coverage for these tools, but it appears that the agent and the insured did not arrange the policy properly. We would appreciate your input.