How do I make a claim against public liability insurance?

Who might make a public liability claim?

If you've suffered an accident in a public place that wasn't your fault then you may be able to start a public liability injury claim.

Can you claim back public liability insurance?

Public liability insurance for your business is tax deductible. This means it is a cost you can deduct when you are calculating your taxable profit.

How long does it take to make a public liability claim?

In most cases, you have three years to start your claim. The most common types of public liability compensation claims are slips, trips or falls in public places such as shops, supermarkets, restaurants, bars, parks or uneven pavements. The claim is brought against the person or company responsible for your safety.

What is an example of a public liability claim?

Examples of public liability claims include: An explosion at a construction site which causes property damage to neighbouring premises. A customer slipping on a wet floor at a business premises. Damaged goods delivered by a business or contractor.

How to make personal injury and public liability claims

When can you claim on public liability insurance?

If you have had an accident or have suffered a personal injury while on public property, then you may be entitled to make a public liability claim. If your accident occurred on public property during the course of your employment, then you may have a claim against your employer.

What does public liability insurance not cover?

Public liability insurance does not cover employees, temporary staff, students or people on work placements – for this you need employers' liability insurance.

How much can you claim on public liability?

Public Liability insurance provides cover limits of £1m, £2m or £5million. The cover level is the maximum amount that your insurer will pay out in the event of an insurable claim.

Does public liability insurance go up after a claim?

If your business has made previous claims on their public liability insurance, then you may also be deemed higher risk and may therefore be offered more expensive premiums.

Does public liability cover faulty work?

A faulty work claim will be covered under your liability policy only if no exclusions apply and the claim alleges bodily injury or property damage.

Does public liability insurance cover being sued?

Public Liability Insurance protects all types of businesses, including sole traders, partnerships, and limited liability companies, against being sued by a member of the public (including contractors) for personal injury or property damage.

Does public liability insurance only cover negligence?

Public liability claims can arise from several circumstances, but negligence is the main trigger. A customer might trip on an uneven surface at your premises or a member of the public could injure themselves on a piece of your equipment. It will also cover claims of property damage.

Is public liability any one claim?

Public Liability Insurance covers “Any one occurrence” this means it covers claims up to the limit of indemnity of the policy. There is no limit to the number of claims in one insurance year – relatively straightforward.

Do you have to pay for public liability?

Is Public Liability a legal requirement? Public Liability insurance is not a requirement by law, but many clients will insist that you're covered for public liability before allowing you to begin work. Some trade associations will not allow you to register with them unless you have a valid liability policy.

How much compensation will I get?

It's not possible to predict precisely how much compensation you will receive for your claim. It's common for people to think certain injuries automatically attract a specific amount, but when you make a claim your personal suffering, pain, recovery time and any financial impact are all taken into account.

What is a claims made policy in public liability?

CLAIMS-MADE LIABILITY

This means the insured is covered for claims made against them during the current period of insurance, irrespective of the date when the incident happened; (subject to the retroactive date - if not unlimited).

What is the most common public liability claim?

Accidents in Public Spaces (Public Liability) Compensation Claims. The most common type of accident in a public place is a tripping, slipping or falling accident, where a Claimant falls because of a defect in the highway (usually a pavement or a road).

What are the risks of public liability insurance?

FOR PUBLIC LIABILITY NON INDUSTRIAL RISKS

Legal liability for offices, schools, housing societies, hotels, restaurants and other such non industrial occupancies, towards damages to third party with respect to: Accidental death. Bodily injury or disease. Loss or damage to property.

Why is my public liability insurance so high?

Risk level

As with all insurance, the cost of cover depends on the amount of risk that needs to be insured. If your business is high risk, you're more likely to need to claim, which means that the cost of your cover will be higher.

How long does public liability last?

How long does public liability insurance last? A public liability insurance policy with Tradesure will last for 12 months as standard.

How much does public liability insurance cost UK?

The average cost for public liability insurance with AXA is £4.94* a month. It's important to note that working out the cost of public liability cover for each policy depends on several factors, such as your occupation, where you're working, how many staff you have and your annual turnover.

Is it illegal to work without public liability insurance?

Public liability insurance is not a legal requirement. However, having a policy will place you in a stronger position if a claim is brought against you. It may even save your business.

Can I have public liability insurance without a business?

Yes. The need for public liability insurance is not determined by your turnover; it depends on whether you come into contact with the public. However, many insurance providers will consider your turnover when calculating your insurance premium.

Does liability insurance cover loss of earnings?

Employers' liability insurance can cover compensation payments and legal costs if an employee sues their employer or ex-employer for a work-related illness or injury. The compensation amount may take into account things like medical costs and lost income.