After a minor collision, your portable massage table and kit in the car are bent and damaged. You need replacements quickly so you can keep upcoming appointments.

Some Commercial Motor Vehicle policies may include tools of trade cover, which is designed to respond to loss or damage to tools and equipment carried in your insured vehicle as a result of an accident.

During a massage appointment at a client's home, you end up damaging their fixtures.

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

The client was recommended a massage therapy that was not appropriate for them owing to a previous injury. They end up in the hospital and need bed rest.

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.

After a remedial massage therapy session, your client experiences a severe case of post-massage soreness and malaise and blames you.

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