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Public liability insurance – Don’t get caught out
Published: 22/12/09

Small businesses carry an element of risk associated with their activities, which could have an impact on customers and public alike. In order to mitigate these risks, an adequate cover of public liability insurance is essential. According to law, health and safety standards are essential for every business, therefore risk management plays an important role in the survival of any business. Opting for this type of insurance can eliminate some of the risk involved. Since accidents do happen, it is always prudent to be prepared for any unfortunate event.

Make sure your public liability insurance covers you for your work in its entirety. Therefore, prior to purchasing a policy, make sure there are no exclusions or else you would need to purchase them. This is essential in order to safeguard any claims made against you.

A well written public liability insurance coverage insures the business against accidents and injury that may occur on the premises. This insurance policy also covers exposures related to the products. It covers for claims of body injury or property damage, made by a third party, along with medical expenses incurred due to the incident. It offers protection against the cost of defending lawsuits, which includes investigations as well as settlements. Any bonds or judgments that may be required are covered under such policies.

In case of any incident, the first thing you ought to do is prevent the situation from getting further out of control. An injured person needs to receive medical attention immediately. Next is to record the incident in detail, include statements from witnesses, and take photographs of the precise location of the incident. Since any injury claim can be filed up to three years from date of injury, it is possible that any witnesses may not be able to recollect the event clearly. Keeping a record in this context will help to a great extent in any claim proceedings.

Contact your insurer, whether you think the injured party may file a claim or not, and explain the incident in detail so that he gets a fair idea of how much cover you have to protect yourself. The quicker you act the better it would be for your insurer to decide on the necessary course of action and the need for a loss adjuster or solicitor.

The secret is to let your insurer do the talking and not get tempted into offering an initial compensation. Even the slightest admittance of fault would jeopardise his chances of arguing your case. If you receive a summons from the third party’s solicitor, pass them on to your insurer and let him deal with it as he deems fit. Under no circumstances are you required to respond directly.

Accidents will always happen. However, you can prevent problems from recurring and take precautions for the same in order to avoid being involved in such cases again.

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