This is embarrassing, time-consuming and costly
Master key left on the train!
A instant of carelessness
A room fire in the luxury suite
When customers are injured
The unfortunate watchmaker
In fifth place is damage caused during loading and unloading. Materials are delivered to a builder. When they are unloaded, his technicians lend a hand and damage the door of the supplier's brand-new van. Equally frequent, but only insurable through additional coverage, is "direct consequential damage". An example is the unfortunate watchmaker cleaning an antique grandfather clock who finds that the pendulum breaks off.