A customer leaves their car with you overnight for repairs. A burst pipe in the workshop ceiling leaks water onto the vehicle, soaking the interior and damaging the dash electronics. The owner seeks replacement costs and lodges a claim.

Care, Custody and Control is a benefit commonly included under Public Liability insurance. It may respond to property damage claims where client property has been left in your care.

After a late job, you park your ute at home with tools inside a locked canopy. Overnight, thieves force the lock, leaving visible damage, and steal your scan tool, impact gun, and batteries. You report it and claim the replacement cost.

Tools of Trade cover may include theft by a third party from a securely locked vehicle when forcible entry is evidenced by damage.

After a collision, your work vehicle cannot be driven and needs towing from the roadside to a repairer so your business can get back on the road.

Commercial Motor Vehicle Insurance can cover towing your insured work vehicle after an accident, subject to policy limits.

In a tight workshop bay, a trolley jack slips and the car drops onto the concrete. The impact cracks a customer’s alloy wheel and chips the epoxy floor near the hoist. The customer requests repairs and makes a claim for the damage.

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