In the course of managing any business property, you as a business owner is obliged to comply with laws administered by government and municipal bodies. These bodies impose various public liability claims of which the business property owner/manager should be aware.
The owners of any business property including hotels, shopping centers and operations business activity should be familiar with the various types of contracts involved in their commercial and retail business activities. These contracts may include, leasing agreements, management agreements, and for cleaning, lift and escalator maintenance, air conditioning and fire protection maintenance, etc. So, for property in the business activity, the major public liability from an insurance point of view requires the manager or the business owner to fully maintain, repair and replace the property, if damages arising out of the use or causing injuries on the business premises.
The business enterprise or a company owning or being responsible for maintaining the public area must take out a public liability insurance policy to compensate members of the public for any injury they sustain while on the business property caused by the owner’s negligence. Such that the personal injury, or loss or damage claim for compensation will be made against that insurance policy. Here are some types of public liability claims that might be imposed against your business:
- Trip, slip, fall accident claim
- Shop injury claim
- Club accident claims
- Kart crash claim
- Educational accidents (school, college & university accidents)
- Sporting or domestic accidents
- Food poisoning
- Recreational accidents (e.g. local parks)
- Aviation accidents
- Claims can also be imposed against the falling objects, elevator malfunction, due to hold ups etc.
For this you should get a right cover for your public liability insurance, and make sure that your insurance company can give some compensation for these claims. Moreover it is important to maintain your business against the public liability claims.