Public Liability

What is Public Liability Insurance and What Happens When Someone Claims Against You?

Public liability insurance covers legal liability that can arise when a member of the public is injured on business premises. In everyday life, accidents happen, and injuries can occur. Public liability insurance can protect businesses from the financial impact of such accidents, safeguarding both businesses and individuals from major financial loss if a claim is made against them. In this guide, we explore how the process works and why it’s beneficial to have a dedicated legal team, like Adele van der Walt Inc, by your side.

Understanding Public Liability Insurance

Public liability insurance can be taken out by practitioners and business owners. If a person has an accident within your organisation (for example, falling off a ladder or slipping on a wet floor), this insurance can cover your legal costs as well as any medical expenses that may arise. It can also protect medical professionals beyond the scope of medical malpractice claims. For instance, a patient might trip in the waiting room before seeing a specialist, or a patient’s belongings may be damaged on-site. Public liability insurance can cover these expenses. However, it’s essential to understand what to do if someone files such a claim. Our dedicated team suggests the following:

• Notice of claim: The claimant must first file a complaint, explaining how alleged negligence caused their injury. This could result from an on-site accident, such as a slip and fall, or another type of injury or damage.
• Investigation into claim: The insurance company will then assess the case, gather and evaluate evidence, obtain witness statements, and may request additional documentation. This process determines the extent of your liability.
• Legal proceedings: In some cases, the claimant may pursue legal action. If this happens, your public liability insurance will likely cover legal costs, such as attorney fees and court costs.
• Settlement or court ruling: Often, claims are settled out of court, and both parties agree on an amount. If no settlement is reached, the case will proceed to court.

Contact Our Seasoned Legal Experts

If you want to learn more about public liability insurance and how it can safeguard your business—or if you are facing a public liability claim—we are here to help. Let us guide you through the complexities of public liability insurance law and offer expert legal advice. Send us a message for more information.

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