How to Claim Against Public Liability Insurance

Understanding how to claim against public liability insurance is important for your business. Having a good grasp on the claims process will ensure that you use your coverage effectively.

Before making a claim

Before making a claim against public liability insurance, there are a few preparatory steps to take.

1. Documentation 

First, gather all the necessary documents relating to the incident. Any photos, witness statements and relevant reports will prove useful. Thorough documentation provides clear evidence and can strengthen your claim.

2. Notification

You must notify your insurance provider quickly after an incident occurs. Check your policy for any specific notification timelines. Failing to notify within this timeframe could jeopardise your claim.

Early notification allows the insurance company to begin the claims process promptly, meaning it’s resolved sooner.

Understanding your policy

It’s important that you fully understand your public liability insurance policy in order to confidently navigate the claims process.

Key terms 

Familiarise yourself with key insurance terms such as coverage limits, excess and exclusions.

Coverage details 

Make sure you know what kind of incidents are covered by your insurance. Does your policy include third-party injury and property damage? Read up on your coverage to ensure you’re fully prepared.

Exclusions 

Be aware of what is not covered by your insurance. Public liability insurance typically will not include things like intentional acts or claims arising from poor professional advice.

 

Having a good working knowledge of these aspects can prove helpful in assessing your coverage. You will be less likely to come across any surprises throughout the claims process.

The claims process

The claims process typically involves the following steps:

1. Initial contact 

Initiate the claim by contacting your insurer. This can usually be done via phone, email or through an online portal.

2. Claim form

Fill out and submit a claim form, if required. Include all relevant details about the incident and provide supporting documentation.

3. Assessment

The insurer will assess the claim. This can sometimes involve sending assessors to investigate the incident. It can also include a request for extra information from you or other parties involved.

4. Decision

Once the assessment is complete, the insurer will make a decision on the claim. You will be notified of the outcome and any settlements.

Tips for a smooth claims process

Consider these tips to ensure a smooth claims process:

Timely reporting 

Report incidents to your insurer promptly. Delays could affect the validity of your claim.

Accurate information

Make sure you provide accurate and thorough information when filing your claim. Errors may cause delays or complications.

Communication

Stay in touch with your insurer throughout the process. Respond promptly to any requests for additional information or documentation. Open communication will allow the process to move forward smoothly and efficiently.

Dealing with claim disputes

Claim disputes often arise due to disagreements regarding liability, coverage or settlement amounts.

To handle such situations, it's essential to provide clear and detailed documentation to support your claim. Remember to maintain good communication with your insurer throughout the process to resolve issues quickly.

If your claim is denied or if the settlement offered is unsatisfactory, you can consider seeking legal advice. A solicitor can assess your case and negotiate with the insurer. In some cases they may even represent you in legal proceedings if necessary.

Preventing future claims

Prevent future claims against your business by taking these proactive steps:

1. Implement safety measures 

Install safety equipment, maintain a safe environment, and clearly mark hazards.

2. Train staff

Provide comprehensive training on safety protocols, emergency procedures and customer service to reduce risks.

3. Regularly review and update risk management practices

Conduct regular risk assessments, identify potential hazards and update policies and procedures accordingly.

Maintaining all of these business practices will minimise the risk of any incidents that could lead to claims being brought against you.

Is your business covered?

Make sure your business is protected by understanding and efficiently managing the claims process for public liability insurance.

Familiarise yourself with your policy details, exclusions and key terms. Keep things moving smoothly by reporting incidents promptly and staying in touch with your insurer.

Public liability insurance from Towergate

Are you ready to get covered? We offer public liability insurance policies tailored to your individual business needs. Get a quote today, either online or by phoning us on 0330 818 9929.

About the author

Alison Wild BCom (Hons), FMAAT, MATT, Taxation Technician is a highly respected industry professional who has been working with and advising SMEs in areas including tax, pensions, insurance and marketing for over 25 years. She is a Fellow member of the Association of Accounting Technicians (AAT), member of the Association of Tax Technicians (ATT) and also has over 20 years' experience as a residential landlord.

Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems we recommend that professional advice be sought.