Parking at an aged care facility, you misjudge a bollard and scrape it with your car, damaging the post and paintwork. The operator asks your business to pay for repairs.

Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.

During a home visit, you accidentally damage a client's stair lift while assisting them between floors. The client makes a claim for repair costs.

Public liability insurance may respond to third party property damage claims arising from your business activities.

During a home visit, you accidentally place the wrong medication in a client's weekly pill organiser. The client takes the incorrect medication and becomes unwell, requiring medical treatment. A claim is made against you for the resulting harm.

Professional Indemnity insurance may respond to claims arising from negligent advice or recommendations made in the course of providing professional services, including associated legal defence costs.

While accompanying an elderly client on a garden walk, you leave their mobility aid in an unsafe spot near the activity area. A visiting family member trips over it and suffers an injury.

Public Liability cover may respond to third-party injury claims arising in connection with your premises or business activities.