A tradie's vehicle is broken into overnight while parked at home. Thieves force entry through the locked canopy, stealing power tools and equipment valued at several thousand dollars.

Tools of Trade insurance is designed to cover theft from a securely locked vehicle where there is evidence of forced entry, helping you replace essential equipment.

Backing a trade ute into a site driveway, you clip the client's fence and crack several palings. They ask your business to pay for the repairs.

Commercial motor vehicle insurance may respond to third party property damage claims arising from your insured vehicle where you are legally liable for the loss.

A tool falls from scaffolding and injures a pedestrian walking past the worksite. They require medical treatment and later make a claim against the business for pain, suffering and related expenses.

Public Liability insurance is designed to respond to claims for personal injury to third parties arising from your business activities.

A tradesperson installing a wall fixture accidentally drills into a concealed pipe behind the wall, causing water damage to the client's flooring and cabinetry. The client requires repairs and later makes a claim against the business for repair costs and related expenses.

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