Can you give me examples of incidents likely to result in a Public Liability claim?

Public Liability insurance is a way of financially protecting your business from any claims made against you by the public. It is not often that a member of the public will make a claim against your business, however, one single claim can be severely damaging to your finances and reputation if you fail to purchase Public Liability insurance.

No matter how careful you are or how diligently you stick to rules and regulations, accidents do happen and you could be blamed.

Should your business operation injure a member of the public, expose them to any illness/disease or damage their belongings in any way, there is a high likelihood they will bring a claim against you.

Public Liability insurance would help your business stay afloat during this difficult time and protect your assets.

While Public Liability insurance is not a legal requirement, in many industries – it is strongly recommended, especially in the construction and retail sector.

Examples of accidents and mishaps that might happen include:

  • A member of the public or customer suffers injury on an unattended construction site. The business would be at fault for failing to ensure the site was securely closed to the public.

  • Whilst decorating at a private property, ladders fall over and break a television belonging to the owners of the property. The business would be sued for damage of property.

  • Removing windows off a building without installing adequate scaffolding. The window slips and hits a member of the public. A claim would be made for neglect causing injury.

  • A plumber has incorrectly fitted a pipe in the kitchen of a private property which floods the house. The tenant would claim in order to replace their damaged property.

  • Whilst fixing the electrics of a hotel, a customer trips over a wire that was left on the floor. The electrician would be at fault for failure to work safely.

  • Tools are left on the floor of a construction site and a member of the public falls over them as they walk past. A claim would be pursued for failing to ensure health and safety is in order in a dangerous environment.

  • A customer falls ill with food poisoning as a direct result of the oysters served at a restaurant which was found to be inadequately stored. The business would be at fault for failing to adhere to food hygiene standards.