On a rural road to a job, you hit debris and lose control. The ute ends up on the shoulder and cannot be driven safely. You need towing to the nearest repairer and a secure place overnight.

Towing may be covered after an insured event, up to the specified limit and subject to policy terms and conditions.

After a job, you lock your ute canopy with chainsaws, a hedge trimmer and a pole saw inside. Overnight, thieves pry the door open and take the lot. You need replacements urgently to keep working, so you lodge a theft claim.

Tools of Trade cover may help for theft from a securely locked vehicle or building where there’s forcible entry damage, up to limits.

During a tree trim on a front verge, a branch slips past your rope and lands on the footpath, striking a pedestrian. They need medical treatment and time off work, then claim their costs and lost wages from you.

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 pruning branches above a client’s driveway, a cut limb swings wide and cracks their car windscreen, then dents the bonnet. They organise repairs and towing, then send you the bill, leading to a claim for costs.

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