Driving between patient visits, you tap the car in front in slow traffic and damage the rear bumper. The driver takes your details and lodges a claim against your business.

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

You accidentally knock a number of items off the hallway entrance while exiting a patient’s home after an at-home visit, and break an expensive ornamental vase.

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

You tell a patient and their spouse that is terminally ill that they will recover. After the patient passes away, the spouse holds you responsible for giving them incorrect advice.

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.

Your elderly patient is an old person and you take them every morning for some light exercise. Although they usually walk with an A-frame you feel confident that they can walk without one and they fall, injuring their hip requiring a hip replacement.

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