Opening the van to unload tools, a boxed pressure washer slides out and dents a parked car. The owner asks your handyman business to cover the repair costs.

Commercial Motor Vehicle Insurance can cover third party property damage when goods fall from your vehicle.

A carpenter’s ute is parked at home overnight with tools locked inside the canopy. Thieves force entry into the vehicle and steal power tools and equipment, disrupting upcoming jobs and causing significant replacement costs.

Tools of Trade insurance may apply to theft from a securely locked vehicle or building when there is evidence of forcible entry.

A carpenter is working on site when a power tool is knocked from a bench and falls into a shared access area. A visitor walking past is struck and suffers an injury that requires medical treatment, later making a claim for related expenses.

Public Liability is designed to cover compensation you're legally liable to pay for third party bodily injury caused by an occurrence connected with your work.

While installing custom shelving, a carpenter drills into a concealed water pipe behind the wall. Water leaks into the room, damaging flooring, cabinetry and nearby fittings. The client requests repairs and makes a claim for the resulting damage and costs.

Public Liability Insurance may respond to third party property damage claims arising from your business activities.