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 neighbour fall down the stairs and she breaks her back: can I be covered for this incident if she decides to sue me?
Or maybe I am doing a bit of gardening on my balcony and while cleaning a plant, I drop the pot and it falls on someone's head, injuring them for life.
Or I could be cleaning my car on a sunday afternoon with the water hose, my old neighbour walks by and slips on the wet ground, falls down and cracks her back.
You get the idea - it's around unexpected and unpredictable everyday life's incidents.
I have had a good look through the websites of major insurers but could not find a product to cover these sort of incidents.
Any suggestions/ideas?
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 neighbour fall down the stairs and she breaks her back: can I be covered for this incident if she decides to sue me?
Or maybe I am doing a bit of gardening on my balcony and while cleaning a plant, I drop the pot and it falls on someone's head, injuring them for life.
Or I could be cleaning my car on a sunday afternoon with the water hose, my old neighbour walks by and slips on the wet ground, falls down and cracks her back.
You get the idea - it's around unexpected and unpredictable everyday life's incidents.
I have had a good look through the websites of major insurers but could not find a product to cover these sort of incidents.
Any suggestions/ideas?