Liability Insurance Claim – Do’s and Don’ts

The reason you buy the covers is to protect you and those that you employee in the event of an accident.

So before you ever get to the point of a claim you should make sure you comply with all policy terms  conditions and requirements – Requirements like fulfilling your statutory obligations  statutory obligations like manual handling training, inspection of various equipment, fire regulations etc..

If an accident has occurred, make no admission liability or offer of promise; leave that to your insurance company to sort out. Do what you can and what is practical to assist an injured person and do what is possible to prevent re-occurrence of the accident.

Give immediate notice to us outlining the time of occurrence, the event and people involved. Collect witness statements or at least try and establish who are the witnesses to the incident if possible.

Keep CCTV footage if it is available.

Insurance companies often stipulate that events must be reported within a given time say 7 days so – These are important conditions so you should never ignore these requirements as failure to do so may invalidate your covers.

Pictures immediately after incident and CCTV are very useful in the case of establishing negligence etc.

Be sensible and be sure to report all incidents and not only the ones where a solicitor has been received.

You can purchase public liability cover online at https://www.publicliability.ie/