
Public & Products Liability
A public liability claim form needs to be submitted if:
- A third party has been injured
- Excluding road accidents
- A third party property has been damaged
- Excluding road accidents
- When a product you have sold, serviced or supplied has caused injury or damage
A claimant must prove negligence. To determine negligence, insurers will need to review the following documents:
- Accident book entry and first aider report
- HSE RIDDOR report
- Pre and post accident risk assessments for slips, trips and falls
- Written safe system of work policy & documents to show this is followed (e.g. cleaning records)
- Incident investigation report including sketch plans and photos
- Minutes of any health and safety meetings
- Witness statements
- Product sample if possible or photos
- Details of process in place to checking product safety
- Manufacturer details
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