Your ute is parked at home overnight with tools inside a locked canopy. Someone forces the lock, leaving visible damage and steals your blower, whipper snipper and battery kits. You report it to the police and need to replace the stolen gear fast.

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

Towing a trailer between jobs, you turn too tightly and the trailer scrapes a parked car. The owner says your business caused the damage and wants repairs paid.

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

During a tidy-up, you run a hose across the footpath while watering new turf. A passer-by trips over it, falls hard and injures their wrist and knee. They later claim medical costs, time off work and compensation for pain and suffering.

This may be covered for Public Liability to pay compensation and any settlement for third party injury to others from an occurrence in your business activities.

While edging a client’s driveway, your line trimmer flicks a stone into a nearby window. The pane shatters, chips the aluminium frame and glass scatters onto the patio. The homeowner arranges emergency glazing and sends you the invoice.

This may be covered for Public Liability to pay compensation and any settlement for third party property damage from an occurrence in your business activities.