Public Liability Insurance

Accidents in public places can occur in a variety of different places and situations. You could suffer a slip, trip or fall in a public area, items that have not been secured properly can fall on you in a shop or a building, and faulty items such as lifts and barriers and doors may cause unexpected accidents. All these situations are potentially dangerous. Other situations can include being injured at a concert or a public gathering and food poisoning. These situations can only occur if there has been negligence somewhere along the line and this is the fault of someone else and not you.

Accidents can happen on the road or in the street, in a supermarket or at the premises of a company; therefore it is important for the owner of the premises to take out public liability insurance. This is a safeguard that should be in place anywhere that members of the public are entering and leaving premises. Public liability insurance will cover you if someone is accidentally injured by you or your company. It will also cover you if you damage third party property while on business. It will cover any legal fees should a claim be made against your company so that you should not be left out of pocket should a claim be made against you. Ultimately it is the responsibility of the owner of a business to perform a duty of care towards any member of the public who visits their premises. By taking out public liability insurance you can be confident in getting on with the job in hand safe in the knowledge that your company, your members of staff and members of the public are protected.

It is important to inform your insurance company of the type of business you are running, any potential risk areas and any changes that will affect the insurance cover. The amount of cover needed depends upon the size and the nature of your business. To put this into context some small businesses may have £1 million worth of public liability insurance just to be on the safe side. It may sound like a lot for a small company but it is covering and preparing for the unknown. For example, a company may unexpectedly get lots of claims made against them all at the same time and then the costs can really mount up.

Members of the public have a right to feel safe in their surroundings; therefore business owners have a responsibility to make their premises as safe as possible by carrying out thorough and regular risk assessments. This will identify any areas of potential risk and then the owner can put into safety procedures to eliminate any risk factors.

If you feel that you have suffered unfairly from the negligence of another party in a public place then you may have a case for a claim. Contact us at Accident Consult and our experienced staff will be able to give you free advice and how to deal with your claim.

Tags: 1 million, different places, doors, duty of care, insurance, insurance company, job, nbsp, negligence, premises, public liability insurance, safe side, small businesses, supermarket, third party