In stop-start traffic on the way to a client visit, you run into the car ahead and crack their rear bumper. The other driver takes your details and makes a claim for repair costs.

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

You damage your client's stair lift while providing at home nursing services.

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

You put the wrong pills in the client's weekly pill organiser causing them to fall sick.

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.

The guardian of your client trips on your client's walking stick that was carelessly thrown in the grass by you as you assisted in setting up an outdoor activity.

Public Liability cover may respond to third-party injury claims arising in connection with your premises or business activities.