I’m always looking for opportunities to share real life claims examples... and I have one for you today.  It involves public liability insurance and a Mercedes Benz.

Reviewing insurance & painting a picture

As part of reviewing my clients’ insurance needs, like all good brokers, I give as much (or as little) information needed to ensure they understand the different types of insurance cover. And public liability insurance is a must for most businesses. It covers legal liability should you, your employees or your products cause personal injury or damage to property belonging to third party.

I often use examples to paint a picture for clients of how, when and where public liability insurance could be required. Depending on the client I may give an example of:

• a carpet layer moving furniture around and accidentally damaging the furniture he is moving
• damage to a client’s property during a delivery,
• accidental damage to an expensive car.

I know you’re probably thinking damaging an expensive car sounds like an unlikely event - after all you’d have to be pretty unlucky to find yourself in that situation.

But it does happen AND it happened just recently!

My client was completing some renovation work and in the process of lifting iron on to a roof the unthinkable happened!

He watched, as almost in slow motion, the iron fell, bounced, then bounced again…and just when it looked like the planets were aligning and everything was going to be fine…it bounced again…on to a brand new Mercedes Benz!

A claim was lodged and the insurer paid without an issue.

Are you covered?

Most businesses are required to have some level of public liability insurance, but if you’re not sure about exactly what your business requires, or if what you have would cover damage to a $400,000 Mercedes Benz, get in touch with a Rothbury broker.  After all  - these things do actually happen.