Driving between appointments, a stone hits your windscreen and the crack quickly spreads. The glass is the only damage, but you need it replaced fast to stay on the road.

Windscreen damage is typically covered under a Comprehensive Motor Vehicle Policy and the basic excess may be removed.

While leaving a client’s home after a session, you accidentally knock over several items in the entryway and break an expensive ornamental vase.

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

A client alleges that a therapist recommended a treatment program that was unsuitable for their condition, resulting in a worsening of their symptoms and additional medical costs. The client seeks compensation for the cost of further treatment and related financial loss.

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.

At your clinic, you set up the room and accidentally knock over a client's laptop and phone left on a waiting room chair. Both screens crack. It happens during check-in. The client asks you to pay for repairs and replacement costs.

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