After a minor collision, your therapy aids and assessment kit in the car are damaged. You need replacements quickly so you can keep supporting clients without disruption.

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.

After providing a client with their regular learning and cognitive assessment you collect your belongings to leave the house, you drop some coloured paint and paint brushes damaging a real Persian rug. The client believes this is a game and rubs the paint into the carpet permanently damaging the $8,000 rug which you are now needing to replace or pay for.

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

You have been treating a young patient for a number of years and recommend and provide a reference for them to rejoin schooling activities. The child experiences a number of episodes in their first weeks after returning to school and the parents claim you provided incorrect professional advice. They want you to pay for the school fees they are now out of pocket for.

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.

During a client assessment you offer the client some hard and solid foods to attempt eating, they struggle and choke leading to greater trauma and injury to the client.

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