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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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