Many businesses take out personal liability insurance to make sure that they are able to pay a claim for compensation that is made against them. It is a sensible precaution and ensures that they are able to pay the compensation without having to sell their business. As an employee or customer of that business it also means that you have peace of mind that you will be able to claim compensation if you were injured in an accident or incident that was not your fault. Some examples of cases where personal liability insurance has been used are given here.
Personal liability insurance – an employee tripping over a trailing cable
Personal liability insurance may be used to pay out to an employee who has tripped over a trailing cable. Employers have a duty to safeguard the health, safety and well-being of their employees. That includes having policies and procedures in place to make sure that it is safe to walk around the premises without tripping over trailing cables. If, as an employee, you were required to walk through an area with dangerous trailing cables (it is especially dangerous if you had to carry something bulky so that you could not see the floor) and you tripped and injured yourself, you may be able to claim compensation. The best way to find out more about this is to contact a compensation provider like Accident Advice Helpline. They have a team of advisers who are highly trained in personal liability claims. You will be able to take a quick test (just 30 seconds) which will let you know if your claim for compensation is likely to be successful. Then you will be put in touch with a specialist personal injury lawyer. It couldn’t be more straightforward!
Personal liability insurance – a customer being injured by a falling piece of equipment
Personal liability insurance may be used to pay out to a customer who has been hit by a falling piece of equipment. People who have customers visiting their premises are required to have policies and procedures in place to make sure that those customers are safe. If, as a customer, you have been hit by a piece of equipment that fell on you because it was not secured properly then you may be able to make a claim for compensation. One of the specialist legal partners that work with Accident Advice Helpline (there are over 200 partners nation-wide) will guide you through the legal process. They will work hard to get you a fair level of compensation for:
- The injury itself – in general the more serious injures get more compensation. It is important to keep a careful and detailed record of all your medical appointments.
- The money that you have lost as a result of the injury. Keep a careful record (receipts and invoices) of all the money that you have spent because you have been injured. This includes travelling expenses, personal care, household care and child care.