During a home visit, a client trips over a bag left in the doorway by the social worker and sustains an injury. The client makes a claim for medical costs and related losses.

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

Driving to a client appointment, you sideswipe a parked car in a narrow street. The owner gets quotes and says your business should pay for the repairs.

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

While caring for a patient at their home, you end up damaging their fixtures.

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

You are supporting a recently bereaved client through a structured care plan. The client later alleges your approach was inappropriate for their circumstances and that your intervention worsened their condition, resulting in the need for additional professional support. The client seeks compensation for the cost of further treatment and related financial loss.

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.