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Home insurance and public liability 

WHAT IS PUBLIC LIABILITY IN REGARD TO HOME INSURANCE?

If someone slips or falls and suffers an injury whilst on your property, they could make a claim against you for damages. Public liability insurance will cover you against these types of potential third party claims. Here are some examples so you can better understand the risks involved if you fail to protect yourself against third party liability, also known as public liability.

TYPES OF THIRD PARTY OR PUBLIC LIABILITY

If you own a swimming pool, paddle court or if you are renting out your property as a holiday home, anyone visiting your property could potentially make a claim against you for injury if they hurt themselves. You could be held liable even if it was their fault entirely. This also includes tradesmen entering your property in order to maintain it, such as gardeners, electricians, and swimming pool or boiler maintenance. Public liability insurance will cover you against any potential third party claim resulting from an injury happening on your property. You will need to check which types of third party cover you require for your property and take out a specific policy to cover, for example, medical claims or negligence.

COVER YOURSELF AGAINST DAMAGE CAUSED TO THIRD PARTY PROPERTY

Should the structure of your property cause any material damage to another property (through explosion, water, or fire damage), you will be held responsible for any costly repairs. To avoid having to foot the repair bill you must take out a home insurance with public liability.

WHAT DOES PUBLIC LIABILITY INSURANCE COVER?

Should a third party injures themselves on your property, they could make a claim against you for medical costs to cover their treatment. This can be expensive, especially if they have private medical insurance. You may also have to pay for any legal costs incurred should the claim require legal representation or court settlement. Línea Directa can provide you with advice on how to check how much public liability insurance you currently have and provide you with options on how to adequately cover yourself and your family.

We hope the information provided in this article is of interest. If you would like to contact Línea Directa please call 902 123 104 More information on Línea Directa online at www.lineadirecta.com