What is public liability insurance?

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Public liability insurance is for professionals who interact with customers or others. It helps protect against personal injury claims or property damage claims suffered by a third party interacted with as a result of business activities. The person making the claim will vary depending on the situation. Also, many organizations legally have this public liability insurance. Therefore, in the event of such an injury, a lawsuit will most likely be filed against an insurer.

However, it should not be forgotten that certain conditions must be fulfilled in order to be able to claim compensation in the event of such an injury.

What are the conditions to meet to make a public liability compensation claim?

In order to claim public liability compensation, the following conditions must be met:

  1. The risk of injury should not be obvious.
  2. All necessary precautions must be taken. If an injury has nevertheless occurred, compensation may be claimed.
  3. If there is a clear warning of any risk, this warning must be followed. However, it can be said that all measures were taken incompletely in this way.

If an injury occurred despite these prerequisites being met, you should consult a knowledgeable lawyer to determine the compensation you can claim.

What does public liability compensation cover?

Public liability offers the opportunity to claim the rights listed below. However, the amount you may be eligible for compensation varies from state to state. You may also be entitled to additional compensation for any special circumstances not listed here. For this reason, it is very important to meet with an expert public liability lawyer to resolve the situation completely.

  • wage loss and calculation of possible future loss
  • lump sum compensation for pain and suffering
  • medical expenses required for treatment received after the injury
  • calculated cost of the maintenance you need, including the process
  • the cost of home help required
  • other miscellaneous expenses related to the incident and your injury

What are the common types of accidents for which a public liability claim can be made?

Injuries for which public liability compensation is sought occur in parks, entertainment centers or other public places. In addition, injuries that occur in schoolyards, rental properties, car parks,  shopping centers and entertainment venues can also be the subject of public liability compensation.

Common types of accidents that can claim public liability are listed below:

  • Slips and falls due to wet surfaces
  • food poisoning
  • injuries caused by animals such as horse riding accidents, dog bites.
  • injuries from attacks
  • falls during excursions on walkways
  • burns from hot food and drink
  • injuries caused by broken glass
  • injuries caused by falling objects

To give a specific example to understand in which cases public liability compensation is claimed:

If water has leaked from a refrigerator in a supermarket and the floors are slippery, no customer may notice it. If there are no warning signs on it and the customer is injured there, public liability compensation can be claimed.

So, how to make a public liability compensation claim?

If the person responsible for the injury can be identified, this should be done and informed about the accident. If possible, a written notice should be given. If there is evidence of the accident, such as witnesses, photographs or videos, these should be obtained. It is also quite necessary to have a medical report of the injury. The place and time of the accident must be documented. In addition, details about how the accident happened should be specified.

These and other steps are important information for the claim process. But not all of them are expected, of course. A lawyer should be contacted and learned all detail of how the process will work for the compensation of the experienced injury. The more evidence there is to be used in a claim, the better the result.