A concreter's ute is parked on-site with tools and small equipment locked inside. Thieves force entry overnight and steal mixers, tools and accessories, delaying upcoming jobs.

Tools of Trade may cover theft of tools and equipment from a securely locked vehicle or premises, where there is evidence of forced entry.

A concreter is finishing a footpath when a passer-by slips on an unmarked wet section and falls, suffering an injury that requires medical treatment. The injured person later makes a claim for medical costs.

Public Liability may cover claims for injury to a member of the public that happens as a result of your concreting work, such as slips, trips, and falls on or near the worksite.

A concreter stores formwork panels and edging supplied by the client on site overnight. Heavy rain causes water damage and warping, making the materials unusable and requiring replacement.

The policy may cover claims for accidental loss or damage to a client's property while it is temporarily in your care, custody, or control, such as when it's being stored or handled on site.

While pouring a driveway, wet concrete spills beyond the formwork and flows into a nearby garden and drainage area. The overflow damages paving and landscaping, and the homeowner requests repairs and compensation.

The policy may cover claims for accidental damage to a client's property arising from your concreting work, including damage caused by materials, equipment, or site activities.