What is public liability insurance?

Public liability insurance protects you and the business from a claim for damages as a result of injuries sustained to a person or a person’s property. It protects a business against a claim for injury, loss or damage arising from negligence.

If you make a claim against a business or person for negligence then they will notify their public liability insurer of the claim and then the insurer will step in and run the claim in place of that person. The insurer will then be responsible for payment of any damages (monetary compensation) ordered to be paid by a court.

If the person or business that has been negligent has public liability insurance, this does not automatically mean you are entitled to compensation. You still must be able to demonstrate that the person or business was negligent and as a result of that negligence you have sustained injury.