My brother-in-law was hurt at a company picnic, off the clock and missed work for six months. Workman's Comp covered medical and wages. You are covered in your van unless you are using it for personal, like weekend's. Way to work and home is not considered personal.
My tools are covered in my van no matter where the van is located. However, our regular insurance only reimbursed $3,000 for tools. Buys about a ratchet and hammer from Snap-On. However, if I submitted a detailed list of all the tools and equipment in my van that I own the insurance would cover everything, no deductible. Make sure you have a detailed list and check with your employer if your tools are FULLY covered. If not you can get a rider on your home-owners/renter's to cover your tools.