What is public liability insurance?

Public liability insurance is important for all businesses to protect themselves in case their actions or products result in damages, injury, or loss.

Public liability insurance is an insurance which covers businesses (such as cafes, shopping centres, restaurants etc), for negligence claims brought by persons injured due to the business’ negligence. 

Injuries covered by a business’ public liability policy include anything from a customer tripping over a loose power cord in a store, to a painter dropping a can of paint on a person, to a product malfunction.

What are the steps when suing for negligence?

If you have suffered an injury caused by negligence on behalf of a business, and are looking to make a claim, you  should do your best to follow the steps mentioned below. These steps can vary somewhat depending on your exact circumstances and the claim itself, but generally speaking, you should : 

  • Take photos: Take photos of your injury, the site where it happened, what caused it (i.e. faulty equipment, water on the floor), and anything else you think might be relevant. 
  • Take notes: Write down everything that happened in your own words, and note down any witnesses to the event, including their contact details. 
  • Keep records: Keep all of your medical records, such as your appointment details, doctor’s notes, x-rays, and any other scans and information. 
  • Record expenses: This includes all doctor and specialist appointments, as well as lost wages or income. 
  • Hire a public liability lawyer: A public liability lawyer can walk you through the process, procure medical and other records, obtain other evidence, deal with opposing legal teams and insurers, put your paperwork together, and make the claim on your behalf. 

If you have been injured by a business’ negligence, you may be eligible to make a claim. Speak to a professional public liability lawyer to learn more about making a case and what kind of compensation you might expect. 

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