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Sum insured should be based on the current value of your tools. Each person insured will be covered up to the selected limit.
Cover is provided for tools owned by your business in the custody and control of people noted under the policy.  The sum insured is on a per-person basis; e.g. If you purchase cover for 2 Partners or £5,000, the total amount insured overall is £10,000 with a maximum of £5,000 cover for each Partner.