Heading to a repaint job, you sideswipe a parked car in a tight laneway. The other driver gets repair quotes and says your work vehicle caused the damage.

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

After a day onsite, you lock your ute with your sprayer, ladders and sanders inside. Overnight, thieves force the door and steal the tools. You buy replacements the next morning to finish the job, then lodge a claim.

If Tools of Trade Cover is selected, theft from a securely locked vehicle after forcible entry can be covered, subject to limits.

While rolling a ceiling, you leave a drop sheet near the entry. A visitor trips and injures their wrist. They need treatment and time off work, then makes a claim against you for medical costs any settlement or compensation.

Public Liability insurance may help with claims for third party injury to other people caused by an occurrence during your work activities.

You’re painting a client’s shopfront. A tin tips over and paint runs into the carpet and skirting boards. The client pays for cleaning and replacement, then claims against your business for the damage and related costs.

Public Liability Insurance may respond to third party property damage claims arising from your business activities.