Public liability, also known as ‘occupiers liability’, covers public, private and rental property accidents. This also includes short-term lodging such as AirBnB or Stayz.
Since public liability is a broad category of law, there is no definitive list of claims. However, an accident is generally covered by public liability if it results from a person or organisation’s negligence. In other words, the accident must be someone else’s fault.
Public liability claim examples: what does public liability cover?
Over the years, we have won public liability claims for a vast range of injuries. Some of the most common public liability claim examples include:
Slips, trips and falls in public spaces
Uneven footpaths, overgrown walking tracks and large tree roots are just a few examples. You can claim for accidents in all public spaces, such as parks, leisure centres, footpaths and roads.
Accidents on private or rental properties
Carparks, restaurants, bars, stores and building common areas are all covered by public liability. You might slip in a wet supermarket aisle, trip on an uneven floor, or run into hazards due to poor lighting. If you belong to a gym, you can also claim for injuries caused by unsafe equipment.
Animal attacks
Dogs cause the most common injuries, but you can claim for any animal attack. This also includes horse-riding accidents.
Defective product injuries
Defect product injuries result from a malfunctioning or improperly-designed product. This could be an electrical shock from a faulty appliance or a head wound caused by defective airbags.
You may claim against anyone involved in designing, making and distributing the product. This includes manufacturers, suppliers and retailers. For more details, read our guide to making a product liability claim.
Food poisoning
You can make a claim for food poisoning if the venue that made or sold you the food was negligent. They might have served expired meat or prepared food in an unclean kitchen.
Defective service injuries
A defective service occurs when a job is done poorly or without skill and care. Many services can harm a person or organisation, such as:
- Electricians, plumbers and other tradespeople: poor workmanship can cause severe damage to yourself and your home. For example, a badly installed light fitting may fall and hit your head, or you could trip on a poorly-paved driveway.
- I.T., web development and other website services: a careless mistake from an I.T. or website services professional can result in a business losing income and other opportunities. This is especially relevant if an organisation is launching a new product, service, or advertising campaign.
Physical and sexual assaults
This includes physical and sexual assaults by security guards or patrons at a private venue.
Schoolyard accidents
You may have a claim if your child falls off unsafe play equipment or suffers physical assault by a student or teacher. It is also possible to claim if your child is the victim of bullying and their school has taken no action to help them.
Recreational activity and sporting injuries
This includes jet-skiing, diving, skiing and boating accidents. Since these activities are already high-risk, you must show that your equipment was defective or that the instructor or driver was reckless. For example, they may have sped or failed to provide proper instructions.
Amusement venue incidents
Malfunctioning machines, faulty rides, and negligent workers can all cause injury. A functioning ride may also trigger an undiagnosed condition, such as epilepsy.
Health and fitness injuries
Improperly performed acupuncture and massage can cause muscle, tendon and nerve damage. A personal trainer may injure you through physical contact or inexpert instruction.
Public transport accidents
This includes bus, train, tram, light rail, and ferry accidents. Sudden stops, crashes, and poorly maintained vehicles can all cause injuries.
More examples of public liability insurance claims: case studies
Paul wins $1m payout for slip-and-fall accident at a client’s property
While visiting a client’s property, 62-year-old Paul slipped on a moss-covered pathway, injuring his back and shoulder. As medical costs grew, he turned to us for help.
We examined the property and found the pathway’s poor condition was a clear hazard. With expert evidence, we proved the property owner’s negligence led to Paul’s injuries. Thanks to our thorough approach and strong negotiation, we secured Paul a substantial $1 million settlement.
Read Paul’s full story here.
Mateo wins historic claim against council for footpath pothole injury
Mateo injured his ankle and elbow after stepping into a poorly repaired pothole. He faced multiple surgeries, chronic pain, and lost his job.
Our lawyers worked fast to build Matero’s claim before the pothole was filled. We brought in specialists to assess the injury and the hazardous pothole, confirming the long-term impact on his health.
Armed with this expert evidence, we entered two days of negotiations. Our lawyers successfully proved the local council’s responsibility and secured a $950,000 settlement for Mateo.
Read Mateo’s full story here.
What accidents are not covered by public liability insurance?
Public liability does not cover accidents related to other areas of law. This means if you’re injured at work, you may have a common law damages claim instead. And if you’re injured on the road, you could have a car accident claim.
On top of this, if the accident didn’t cause any injury or less, you won’t have a public liability claim. Unfortunately, you can’t claim for the accident alone — even if the other party acted negligently.
What to do after a public liability accident
At the time of the accident
First and foremost, get medical attention if you’ve suffered more than minor injuries. Your health and well-being are the most important considerations. To help with your public liability claim, keep your treatment records.
If your injuries are minor, take photos of the injuries and the accident site. Our general advice for photos is ‘more is more’, so ensure you take as many as possible.
After the accident
Speak to a lawyer as soon as possible. Photographic evidence will help us accurately assess your case, but even without photos, we can provide detailed advice on your legal options.
At this time, we also advise seeing your doctor (if you haven’t already) and any other relevant medical practitioners. This can include physiotherapists, chiropractors, counsellors and psychologists. If you’ve taken time off work because of your injury, record those dates.
How to prove a public liability claim
A public liability claim involves proving that your accident (and subsequent injury) resulted from a person or organisation’s negligence.
To establish negligence, you need to prove that:
- You were owed a duty of care, and
- That duty of care was breached, and
- That this breach resulted in your injury or loss.
A ‘duty of care’ is a responsibility people and organisations have toward the public. It requires them to act with reasonable regard for your safety and avoid ‘foreseeable’ injuries.
Importantly, negligence cannot be found without injury or loss. This means you cannot make a public liability claim unless you can show that the other party’s actions caused you to suffer a physical injury, mental injury, or financial loss.
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