Can you explain what tools are considered hand tools and what tools are not? Please give examples.

Ohio Subscriber

When terms aren't defined in a policy courts turn to a standard desk reference since that is what is accessible to most insureds. Merriam-Webster online defines hand tool as a small tool such as a hammer or wrench that does not require electricity. Other online sites agree – hand tools would be screwdrivers, wrenches, pliers, axes, anything that operates solely on the physical energy of the person holding the tool.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis