On the way to an office cleaning job, a stone flicks up and cracks your windscreen. The glass is the only damage, but you need it replaced quickly so you can keep moving between sites and stay on schedule.

Windscreen damage is typically covered under a Comprehensive Motor Vehicle Policy and the basic excess may be waived.

While cleaning an office, a client leaves their laptop and camera equipment in your care overnight for safekeeping. The following morning you discover the equipment has been damaged. The client makes a claim for repair and replacement costs.

Care, custody and control is a benefit commonly included under public liability insurance. It may respond to property damage claims where client property has been left in your care, subject to policy terms and conditions.

You mop a shared office corridor early in the morning. A client's employee arrives before the floor has dried, slips, injures their ankle and requires medical treatment. They claim you failed to manage the hazard.

Public Liability insurance is designed to cover third party injury claims resulting from your cleaning activities.

During an after-hours office clean, a cleaning solution spills onto carpet tiles near a workstation. The chemical discolours the flooring and the building manager invoices you for replacement tiles and labour.

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