After a long day, you park your securely locked van at home. Overnight, thieves force the side door, leaving visible damage, and steal your plaster mixer, trowels and sanding gear. You replace the tools so you can keep working.

Tools of Trade cover can help after theft from a securely locked vehicle or building when there's evidence of forcible entry.

A client asks you to remove and store their internal doors while you replaster a room. You take them to your garage and stack them safely. A ladder slips and dents a door, cracking a glass panel, and the client claims for replacement.

Most Public Liability policies may include cover for damage to property temporarily in your care, custody, or control, subject to sub-limits and exclusions.

In an occupied home, you're skim coating a lounge wall. A tub of plaster tips over and splashes onto the client's timber floors and skirting. They arrange professional cleaning and repairs, then claim those costs from your business.

Public Liability cover under plasterers insurance can help if you're legally liable for third party property damage caused by your insured work.

You're sanding and packing up in a hallway when a delivery person walks past. They trip over your drop sheet and extension lead, fall and injure their knee. They later claim for medical costs and time off work.

Public Liability cover can help if you're legally liable to pay compensation for injury to third party connected with your business activities.