Your securely locked van is forced open overnight outside a job site. A thief steals your drain camera and power tools from the locked cargo area, leaving visible damage to the doors. You’re left replacing gear to keep jobs moving.

Tools of Trade is designed to cover theft from a securely locked vehicle when there is evidence of forcible entry and damage to the vehicle.

Heading to a call out, you sideswipe a parked car in a narrow laneway. The other driver gets quotes for repairs and demands you pay. They lodge a claim saying your vehicle caused the damage.

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

On a call-out, you run hoses across a driveway and leave a wet patch near the front step. A visitor slips, sprains their wrist and needs treatment. They claim for medical costs and lost wages from 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.

While replacing a hot water unit, you drill through a wall and hit a hidden pipe. Water floods the laundry, warps skirting boards and damages cabinetry. The homeowner invoices you for repairs and replacement of fittings.

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