Working from home

What is Public Liability?

When a person is injured in an accident resulting from the acts or omissions of a company or an individual, either while on your premises or in any public location, public liability laws will be applicable.

What is Public Liability?

Homeworkers: What you need to know about public liability

The injured party may be entitled to make a personal injury claim for compensation against you if they were not to blame for the injury occurring and it can be demonstrated that you should have taken appropriate steps to prevent the accident or reduce the chances of accident/injury occurring.

Legal duty of care

All companies have a legal duty of care to make sure that their actions or inactions do not cause members of the public to be injured when visiting company premises, while using a public highway or when they are in any other public area. Legislation exists that places a duty of care on all organisations to ensure they act to protect members of the public whenever necessary. Though not required by law, it is a good idea to have public liability insurance in place.

Financial losses

Public liability insurance provides cover against financial losses that might arise if a person makes a claim against you. Under liability legislation, you could be held responsible for accident or injury resulting from a number of situations. Trips, slips or falls can be examples of accidents that you may be responsible for, if they are caused as a result of poorly maintained floors or preventable trip/slip hazards (like a trailing power cable or wet floor).

Avoiding public liability claims

To avoid having a liability claim made against you then you need to be vigilant about the state of your property and react quickly when you spot a hazard. If you operate a business from your home and members of the public or your staff regularly visit, then you need to make sure you have sufficient home liability insurance. Many standard policies will include a certain amount of liability cover, but this might not be the case when you have a higher than average number of visitors.

If someone has an accident in your home or at your place of business, you should keep a record of the incident. Records should show any relevant details about what gave rise to the incident, including names and contact details for everyone involved and any witnesses. Where possible, you should attempt to take photographs for evidence and take immediate action to make an area safe if required. You might need to show the steps you took to ensure the accident doesn't happen again.


Obtaining property liability insurance might be a problem if you have previous liability insurance claims against you. This is not the case with homeprotect, as we can offer you a competitive online quote for building liability insurance even when you have an existing claims history. Obviously though, prevention is always better than paying compensation and the best way to keep your liability insurance costs down is to keep your property safe.

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