Reversing your van in to unload plaster sheets and tools, you hit the client's garage door. The owner invoices your business for the repairs.

Commercial Motor Vehicle Insurance can cover what you're legally liable to pay for accidental damage caused by your insured vehicle.

After a long day, you park your securely locked van at home. Overnight, thieves force the side door, leaving visible damage and steal your plaster mixer, trowels and sanding gear. You replace the tools so you can keep working.

Tools of Trade insurance may help after theft from a securely locked vehicle or building when there’s evidence of forcible entry.

You’re sanding and packing up in a hallway when a delivery person walks past. They trip over your drop sheet and extension lead, fall and injure their knee. They later claim for medical costs and time off work.

Public Liability insurance may help if you’re legally liable to pay compensation and any settlement for injury to third party connected with your business activities.

In an occupied home, you’re skim coating a lounge wall. A tub of plaster tips over and splashes onto the client’s timber floors and skirting. They arrange professional cleaning and repairs, then claim those costs from your business.

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