03 Jul Public Liability Insurance Kenya – What It Is & How To Get Best Quotes
Basics Of Public liability insurance
Have you ever been to a shop or a business premises that looked dangerous to be in? For instance, did you notice that the floors were wet or slippery, a door was not well fastened to the hinges, or the elevator was not working properly?
If have seen such things, then you also must have thought that someone could get hurt simply by walking into the shop or office. This is the basis of public liability insurance. Is car insurance policy designed to protect a business owner from the public liabilities that would arise if someone was injured while in their premises.
The Nakumatt Supermarket at the Thika Road Mall has a curious sign along its travellator that connects its upper and lower floor (or do we call it a flat bed escalator?). The sign essentially says that if anything happens to you as you use the travellator, you are on your own.
It would be interesting to see whether such a sign can be a legal defense should someone sue for injuries that may occur when using the travellator. On the bright side, it shows that Nakumatt TRM is aware of the risks posed by using the travellator and is also aware that liabilities can result from it should someone get injured while using it.
Every business premises needs such an awareness to avoid the risk of litigation and the high costs that may accompany a claim made against the company should an accident occur while in the premises
What is public liability insurance?
Public liability insurance is designed for professionals who interact with customers or members of the public. It protects against claims of personal injury or covers you for the cost of a claim made by a member of the public that has suffered injury or property damage.
If you are running a business, public legal responsibility coverage protects you if a member of the general public suffers an damage or if any of their property is damaged given that of what you are promoting. It will duvet authorized expenses and any compensation claims if your enterprise is found to be at fault.
What Does Public Liability Insurance Cover?
Do I Really Need Public Liability Insurance?
Unlike employers’ legal responsibility coverage, public legal responsibility coverage isn’t a legal requirement. Nevertheless, it is regarded an predominant amongst business house owners, and in some professions you can also find it not possible to trade without it
One Catch You Must Know
The public liability insurance has one catch. Before an insurance company assumes the responsibility arising from bodily injury in a business premises, there must be proof of negligence on the part of the company leading to such injury.
The Nakumatt TRM travellator example at least shows that the supermarket is aware of the risks associated with the use of the travellator.Again, it is up to lawyers and courts to prove that such awareness demonstrates attention rather than negligence on the part of the supermarket.
Another key aspect of kenyan public liability insurance is that it can shield a company from the effects of product failure. For instance, one can sue the manufacturer of the travellator if it causes injury due to some design flaw or as result of a malfunction in the travellator.
Provided a client can prove that the travellator was responsible for the accident and especially if the fault can be shown to be the result of negligence, a court may award the claim.In such a case, the manufacturer of the travellator can rely on its insurer against the costs of public liability.In summary, every business premise where the public regularly patronizes must take all care to ensure the safety of their clients.
Failure to take public safety seriously can result in expensive settlements that will not just lead to compensation claims, but can also injure the brand reputation of a given product or company.
How To Get The Best Public Liability Insurance Quotes in Kenya?
We cannot overstate the need for a public liability insurance policy to cover you against the liabilities that would arise if a member of the public is hurt (or worse) within your premises. See this article on the importance of public liability insurance for your business.
Failing to get a proper public liability policy for your business can bring you unmitigated sorrows. That settled, we know that it is usually a difficult process getting a good public liability policy that fits within your needs. We have developed the following tips for you to help you get the best deals for your public liability policy
Never be in a rush to buy
Buying anything in a hurry usually puts you at a disadvantage. You will not have sufficient time to get all the facts, to think them through, and to make a good decision. We believe that it is in your best interest to take your time to find a public liability policy that best fits your needs and your pockets- especially if you are buying public liability insurance in kenya for the first time. Give yourself a period to collect all the necessary information, and then make a decision that fits your circumstances
Don’t sweat the small stuff
When you are comparing insurance policies, you may find yourself sweating the small stuff. The small stuff here includes finding all the companies that have a public liability policy, comparing the policies one by one, talking to agents, etc. We have set up an automated system that helps you to get over the small stuff quickly, efficiently and accurately.
In fact, our system also supports you as you buy the policy to make everything convenient for you. If you visit our website, you will find a set of tools designed to help you buy your public liability policy quickly and efficiently. Let technology work for you.
Always Compare Cheap Public Liability Quotes
When it comes to insurance, prices are everything. Unless the insured risk occurs, it may never matter where you bought the insurance. Of course, you should always buy your insurance as though you fully expect to use it, but at the same time, remember that your chances of actually using it are very very slim.
We believe that comparing public liability insurance rates makes you a better insurance customer because you will not just pay a premium because a company asked you to. You will pay it because you need it have seen that it is the best deal in the market.
Always compare the benefits
When you pay your premiums, you are paying for a very distinct set of benefits that will accrue to you should a very specific set of risks occur. You don’t just pay for insurance to be “covered”, you pay for a cover that does for you several specific things.
Our online system to compare public liability insurance for finding the best quotes will let you know which specifics the policy includes and at which price level. We encourage you to visit our site and test the system for yourself to see that insureafrika actually makes buying public liability insurance in kenya easy for you.