Public Liability claim

Need to make a claim? Find the information you are looking for here
Public Liability

What you'll need before you begin


Policyholder name


Insurer & Policy Reference Number


Copy of the Letter of Claim or Claim Notification Form


Circumstances and date of incident

Mobile App

Have our mobile claims app?


Report your claim via the app. Like to learn more? Contact your Account Handler.

Notify us of your claim

Please select your branch from the dropdown list below, all online claims notifications will be reviewed within 48 hours. Please complete as much information as possible so that we can help process your claim.

London Great Tower Street Contact information

Claims contact number

Out of hours number

Claims email address

Upload up to 3 files. Max file size: 5MB per file

clear group
Thank you for your email, a member of the claims team will endeavour to respond in the next 2 working days, if the matter is urgent, then please call the phone number aligned to your nearest branch.
Oops! Something went wrong while submitting the form.

What happens next?

Info Icon

Insurers may appoint a Loss Adjuster or Claims Investigator

Info Icon

Under legal process, subject to MOJ portal timeframes

Info Icon

Outside the Portal, insurers have 3 months for liability decisions

Info Icon

If liability is accepted, medical evidence is required

Info Icon

Panel Solicitors could be appointed

Info Icon

Can go to trial if liability and value challenged

Frequently asked claims questions

Answers to questions that you might find useful. Can't find what you're looking for? Get in touch, our dedicated claims team will be happy to help.

What is the excess?

There is nil excess on Public Liability personally injury claims, but a property related claim under a Public Liability policy will attract a policy excess.

Will my premium increase following a claim?

Possibly, however difficult to confirm as other claims under the policy will be considered in addition, market conditions will also be relevant and until the claim settles reserves are applied based on information available at the time.

What documentation is needed to assist with a liability review?

Accident book entry, RIDDOR (if applicable), accident investigation, witness statements, RAMS, CCTV & images.

How long will my claim take?

It is difficult to advise, and every claim is different. We will ensure we monitor your claim from report to ensure the claim is progressing. We will provide an update to you, when necessary.

How Long do I have to report a claim?

Generally, insurers require you to report all matters as soon as you are aware, or the incident happens.  Please consult your policy Terms & Conditions to confirm any specific requirements.

How is settlement calculated?

This is based on medical evidence and should reflect the claimants injury, pain, suffering and loss along with any loss of earnings. The claimants Solicitors costs and any defence or investigation costs our insurers incur will also be factored in. 

If a claim is paid how will this affect me, aside from possible premium increases?

Risk management recommendations might be enforced, policy conditions/endorsements might be applied dependent on the circumstances of loss.

Will I have to attend Court?

If liability is denied and the claimants Solicitors do not accept this then yes trial is a possibility, however often insurers will review whether a commercial settlement might be more cost effective.

What if I disagree with insurers liability decision?

Once the claim is placed with insurers, whilst we do have input and can steer them, ultimately they decide (with the assistance of panel solicitors/loss adjusters/claims investigators) how the claim will progress. If you fundamentally disagree with a liability decision you can request insurers stand down and obtain your own legal advice to progress however this will be at your own cost.