Public liability claims
If you’ve had an accident in a public place that wasn’t your fault then you can make a public liability claim.
The owner of the land, be it an organisation or local authority, has a duty of care to members of the public. If they fail to keep you safe while on their land then you can claim compensation.
Businesses take out public liability insurance to ensure they are covered to compensate anyone who may have an accident while on their premises. However, it is not a legal requirement for businesses.
Accidents can happen anywhere but by making a public liability claim you are covered for any accident that you may have in a public space that was not your fault, some of these accidents may include:
- Slips, trips and falls caused by wet floors in supermarkets, shops or restaurants.
- Falls on uneven surfaces in car parks, paths, schools.
- Obstructions and trips on the road or pedestrian footpath.
- Falling objects from properties or building sites.
- Injuries during beauty treatments or similar services.
- Damages or injury from contractors.
Who are public liability claims made against?
Public liability claims are made against the company that owns the property where you had your accident. This can include a private company, a business or a local authority/council. If you are unsure who is to blame, get in touch today for help and advice.
The owner of the place I was injured doesn’t have public liability insurance can I still claim?
Yes, as public liability insurance isn’t compulsory by law, some businesses may not take out this insurance. However, you can still make a claim. The compensation will be paid directly from the business that is at fault rather than the insurer.
What do I need in order to make a public liability claim?
When you have had an accident, it may help your claim to have the following: reported the accident to the staff/ owner of the property, make a note in the accident book (if applicable), take photos of the site and cause of the accident, and take note of any witnesses and their contact details.