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Thanks for the replies guys, much appreciated. I have check in my home insurance and it is very clear, it specifies for incidents at the insured address and outside the insured address: P45 with CBA if you are curious...

Thanks mate, appreciate the answer! Yes I thought of checking the home insurance - will need to have a closer look. What if the stairs incident was to happen at the shopping mall for instance or in a public place not at home? Anyone else has got another suggestion? Thanks!

Hi guys, I have an insurance question for you all around public liability insurance. I know small businesses can take public liability insurance, but does a similar product exist for individuals? Say for instance I am walking down the stairs having a chat with my neighbour, I trip and make my...