You reverse the trailer into a client’s brick letterbox while parking. The bricks crack and the letterbox leans. The client seeks repair costs and makes a claim, saying your vehicle and trailer caused the damage.

Commercial motor vehicle insurance may respond to third party property damage claims arising from your insured vehicle while towing a trailer.

After a long day, you lock your ute with mowers and power tools inside at a motel car park. Overnight thieves force the door and steal the gear. You have to cancel jobs and pay to replace the tools, causing delays.

Tools of Trade is designed to cover theft by a third party when there is forcible entry with damage to a securely locked vehicle or building.

You leave a hose across a driveway while mulching. A delivery driver trips, injures their wrist and can’t work for a week. They seek medical costs and lost income, potentially resulting in a landscaper Public Liability claim.

Public Liability is designed to cover compensation you are legally liable to pay for third party injury from an occurrence during your work.

While edging a nature strip, your whipper snipper flicks a stone through a nearby window and the client later finds an irrigation line cut. The owner invoices you for repairs and lost plants, leading to a claim.

Public Liability is designed to cover compensation you are legally liable to pay for third party property damage from your business activities.