After a day on site, you lock your tools in your ute canopy and set the alarm. Overnight at home, thieves force entry and steal your nail gun, harness and drills. You lose two days of work while you replace the gear.

Tools of Trade insurance may respond to theft from a securely locked vehicle or building when there’s damage showing forcible entry.

Towing ladders and roof gear to a job, your trailer clips a parked car while turning. The owner says your business caused the damage and wants repairs covered.

Commercial motor vehicle insurance may respond to third party property damage claims arising from your insured vehicle while towing a trailer.

You are re roofing a shopfront. A loose nail and offcut left near the footpath causes a passer by to trip and injure their ankle. They need treatment, take time off work and later claim your business should pay their costs.

Public Liability insurance is designed to cover your defence costs and settlement payable for third party injury to third parties resulting from negligence during your operations.

While fixing a leak, your roofer drops a bundle of tiles that cracks the client’s skylight and dents their guttering. Water then gets in and damages a bedroom ceiling and the homeowner asks you to pay for repairs.

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