I have a rep from a local broker come and sit with me for an hour or more each year to go through everything and we have discussed handtools and scanners/laptops in depth as i know of a garage who were done over and had only insured hand tools which it turned out to be spanners and contents of a toolbox. He lost all his code reading equipment, fortunately he did not have much, but thats not the point.

I specify handtools and computer equipment and any specialist tools seperately, extra work for the rep but he is more than happy as we are then certain to be covered.

Kelly