Reversing into a participant's driveway for a home visit, you hit the garage door and dent the frame. The household asks your business to cover the repair costs.

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

While providing in-home support services, you accidentally damage your client’s stair lift.

Public Liability insurance may respond to claims for accidental damage to third-party property arising from your business activities.

You recommend a client reduce their reliance on a particular mobility aid as part of an informal independence plan. The client follows the advice, suffers a fall and sustains an injury. A claim is made against you alleging your recommendation was negligent.

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 helping set up an outdoor activity, you leave your client’s walking stick lying carelessly in the grass. Your client’s guardian trips over it and is injured.

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