A non-scratch tool belt apparatus conveniently contains instruments that are useful for a task adjacent to a user, such as for detailing operations of objects that have delicate surfaces or finishes. The tool belt apparatus is lightweight and generally features only soft exposed materials, such as cotton. The tool belt reduces the likelihood that users will lose an instrument, and also of scratching a surface. The apparatus includes an elongated fabric belt, a buckle, a non-scratch buckle cover, and a plurality of tool bags. The elongated fabric belt wraps around a user and is secured by the buckle. The buckle cover encloses the buckle to prevent scratching. The buckle cover and plurality of tool bags can slide on the belt. The tool bags are each configured to hold at least one instrument, such as a tool or bottle used in detailing operations.