After a day onsite, you lock your ute with your sprayer, ladders and sanders inside. Overnight, thieves force the door and steal the tools. You buy replacements the next morning to finish the job, then lodge a claim.

If Tools of Trade Cover is selected, theft from a securely locked vehicle after forcible entry can be covered, subject to limits.

You move a client's artwork and furniture into one room to protect it while you paint. Overnight, a window you secured blows open and rain gets in, damaging the items. The client claims for repair or replacement costs.

Cover can extend to loss or damage to a client's property while it's in your physical or legal control, up to the sub-limit shown.

You're painting a client's shopfront. A tin tips over and paint runs into the carpet and skirting boards. The client pays for cleaning and replacement, then claims against your business for the damage and related costs.

Painter insurance with Public Liability coverage may help with claims for third party property damage from an occurrence during your work.

While rolling a ceiling, you leave a drop sheet near the entry. A visitor trips and injures their wrist. They need treatment and time off work, then makes a claim against you for medical costs and compensation.

Public Liability Cover can help with claims for personal injury to other people caused by an occurrence during your work activities.