What is a Public Liability claim?

A public liability claim refers to the situation why someone is injured as a result of the negligence of another party. That other party could be an individual, an organisation or a public body.

It covers incidents occurring on both privately and publicly owned areas such as shops, supermarkets, sporting fields, parks, gardens, footpaths, etc. It also covers injuries that have happened in private homes.

Businesses or organisations who occupy these areas, or have responsibility for their upkeep, are required to have public liability insurance. The benefit of this is that public liability compensation claims are generally made against insurance companies and not against individuals who may not have the capacity to pay any compensation. If a claim is made against an individual, it is usually made against that person’s own insurance policy covering their home.

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