Claims & paperwork
What to keep, what to report and what happens when somebody says your work caused damage or injury.
5 detailed guides
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Each page answers one practical question and points out the details worth checking in a quotation or policy.
What to do after a public liability incident
Make the area safe, help anyone injured, record the facts and notify the insurer or broker promptly. Do not admit liability or promise payment before taking advice.
Read guide Claims & paperworkA customer says you damaged their property
Take the complaint seriously, record the condition and notify the insurer or broker if it could become a claim. Avoid arranging a private repair until you understand the policy and evidence.
Read guide Claims & paperworkHow a public liability claim usually works
After notification, the insurer checks the policy, investigates the facts and decides how to handle liability and loss. Timescales vary with injury, evidence and complexity.
Read guide Claims & paperworkHow to read a public liability policy
Start with the schedule and endorsements, then read them alongside the main wording. The schedule shows your details; endorsements can add or remove important cover.
Read guide Claims & paperworkHow to complain about public liability insurance
Start with the firm named in the complaint information and explain the problem, evidence and outcome you want. The policy documents should give the complaint route and relevant time limits.
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