You park your securely locked van at home after a job. Overnight thieves force the rear door lock and steal your test meters and power tools. You lodge a police report and need to replace tools quickly to keep working.

Tools of Trade is designed to cover theft following forcible entry to a securely locked vehicle or building, within policy limits.

Your apprentice reverses into a client’s retaining wall while parking for an electrical circuit audit. Several bricks crack and the capstone loosens. The client asks you to cover repairs and makes a claim against your business.

Commercial motor vehicle insurance may respond to third party property damage claims arising from your insured vehicle where you are legally liable for the loss.

During a wiring upgrade of an apartment complex, you run an extension lead across a unit hallway. A resident trips, falls and fractures their wrist. They face medical bills and time off work, then allege negligence and seek compensation from you.

Public Liability for Electricians may cover compensation you’re legally liable to pay for third party injury from an accident during work.

While installing new downlights in a kitchen, you drill into a concealed water pipe. Water floods the cabinetry and timber floor. The homeowner pays for emergency drying and repairs, then claims those costs from your business.

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