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Insurance Spotlight – Public Liability Insurance
Public Liability Insurance policies provide comprehensive protection for your business, employees, and products in case a member of the public is killed, injured, or their property is damaged due to your operations.
These policies cover a wide range of potential public liability claims, including slip-and-fall incidents, injuries in public places, and other accidents on your premises.
While public liability insurance is most commonly taken out directly by businesses and property owners to cover potential risks to the public from day-to-day operations and to fulfil their duty of care, public liability insurance is also built into some property insurance policies.
What Does Public Liability Insurance Cover?
No matter how careful you are, there’s always the chance an accident could happen to a member of the public or their property due to unsafe conditions or negligence.
If it does, and you are found to be negligent, a Public Liability Insurance policy can provide financial assistance with the reasonable legal costs of defending a liability claim against your business.
These policies can also cover compensation costs should you ultimately be found liable for damages, medical needs, or injuries. Importantly, most public liability insurance policies won’t cover claims resulting from knowingly hazardous or criminal activities.
Would You be Fully Protected Against a Public Liability Claim?
Public liability claims can arise from various incidents, such as slip-and-fall cases in supermarkets, retail stores, and restaurants and injuries from amusement park rides.
Understanding liability often involves assessing contributory negligence or comparative negligence. At Adroit, we emphasise the importance of proper incident reporting and consultation with a personal injury lawyer to ensure you are informed and prepared.
Get in touch with our Adroit Risk Advisers today to ensure you have adequate public liability insurance coverage for potential injury and property damage.
We can guide you through the process and help you find policies that provide peace of mind against the costs of liability claims, similar to how worker’s compensation covers work-related injuries for employees. Don’t leave your business exposed to the financial risks of public injuries and accidents – trust Adroit advisers to guide you through the process.