Public Liability Insurance

• A customer accidentally slips on a freshly mopped floor and is injured.
• You spill a cleaning agent on a client’s carpet causing permanent damage.
• You drop a bucket of water near an electrical outlet causing damage to your client’s appliances.
• A cleaning product you use causes an allergic skin reaction in a client.
• A client claims damage to wood furniture after a product you used caused discolouration.

• Workers Compensation – for example, your employee is injured while cleaning a client’s home. This would typically be covered under Workers Compensation Insurance.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund..
• Damage to your own property – for example, you drop and damage your vacuum cleaner.

• A customer accidentally trips on cables in your studio and is injured.
• A light stand falls and damages the floor of a wedding venue.
• You spill coffee on a client’s laptop during a design meeting.
• Digital artwork you supplied contains an error, and the client incurs reprinting costs.
• While setting up at a function, you accidentally knock a guest’s phone off a table.

• Workers Compensation – for example, your employee is injured while cleaning a client’s home. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Damage to your own property – for example, you drop and damage your camera.

• A customer trips while standing up from a salon chair and is injured.
• You accidentally drop hair dye on a client's handbag causing permanent damage.
• A customer has an allergic reaction to a beauty product.
• You spill hot wax onto a client’s phone, damaging it.
• A client claims damage from a tanning product you applied, saying it permanently stained their clothing.

• Workers Compensation – for example, your employee is injured on the way to a hairdressing appointment. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is dissatisfied with their haircut and demands a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation..
• Product recalls – for example, you sell a beauty product to a client which is recalled, damaging your business’s reputation.
• Damage to your own property – for example, you drop and damage your hair curler.

• A customer has an allergic reaction to your food.
• A chair or table collapses while in use, causing injury to a customer.
• A barista accidentally spills hot coffee on your customers phone and damages it.
• A food delivery driver trips over an extension cord while picking up an order.
• A customer slips on a spilled drink on the floor and injures themselves.
• A client claims a catering order caused multiple guests to fall ill, leading to a compensation claim..

• Workers Compensation – for example, your employee is injured in your café. Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Product recalls – for example, you sell canned food to a client which is recalled, damaging your business’s reputation.
• Damage to your own property – for example, you accidentally damage your coffee machine.

• A client accidentally trips on gardening tools left on the ground and is injured.
• While digging in a client’s yard, you accidentally rupture a gas line.
• A rock is thrown by a lawn mower, cracking a nearby car window.
• Pavers you installed become loose, causing a trip hazard weeks after the job is completed.
• You reverse your trailer into a client’s fence, damaging the structure.

• Workers Compensation – For example, your employee is injured while mowing a client’s lawn. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is dissatisfied with your gardening service and demands a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Damage to your own property – for example, you accidentally damage your lawnmower.

• A customer accidentally trips over a chair in your waiting room and is injured.
• A child is injured after pulling a brochure stand over in your reception area.
• You accidentally knock off your client’s phone from a desk during a consultation and damage it.
• As a medical professional you provide a sample product that causes a client to have an allergic reaction.
• As an engineer you supply a faulty device used in a client’s prototype, which causes physical damage.
• While visiting a client, you accidently drop your camera equipment causing damage to their floor.
• Your client’s TV screen was accidentally smashed while you dismantle your photographic backdrop.

Types of professionals we can cover

• Workers Compensation – for example, your employee is injured in your café. Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Damage to your own property – for example, you accidentally damage your work laptop on the way to a client.