Driving between client appointments, a stone hits your windscreen and the crack quickly spreads. The glass is the only damage, but you need it replaced fast to stay on the road.

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

While on a visit to your client's home, you accidentally leave some supplements for your client behind in their garage. These are eaten by their dog leading to an expensive pet bill, and some ongoing antibiotics and the client wants to recover these costs from you.

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

On the basis of a few nutritional courses, you offered advice that was not your area of expertise leading to health complications for some clients.

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.

You are a nutrition coach and prepare a food and nutrition plan tailored for your client. However, it does not produce the intended health benefits and instead leads to serious health complications for their Type 1 Diabetes - leading to serious hypoglycaemic episodes that result in a coma.

Public Liability insurance is designed to cover third party injury claims and defence costs, arising from your business activities.