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How to make a Public Liability Insurance claim

Rhino Trade Insurance 22 May 2023

If you want to know how to make a claim under your Public Liability Insurance cover, you are in the right place. At Rhino Trade Insurance, we pride ourselves on being open and straightforward with your policy.

If you're unsure of what needs to be done in the case of an on-site accident, who you need to contact, what details you need, and what happens after the claim has been filed, then let us explain. 

What is Public Liability Insurance, and why is it important?

Public Liability one policy that all tradespeople should have in place. This is your bedrock policy and safeguards you in case a member of the public or another party decides to sue you or your business for injury, accident or property damage. 

Tradesmen and women can take out Public Liability Insurance to cover for losses, fatalities, and unintentional harm brought on by their work to a third party. Thus it is a crucial part of your business protection. 

Your firm's Public Liability Insurance will provide cover up to a specified amount. Rhino Trade Insurance offers cover from £1,000,000, £2,000,000, and £5,000,000.

Who needs Public Liability Insurance?

Insurance can come in many shapes and sizes; however, the Rhino team has created customised insurance plans to suit a wide range of trades within the industry. To get an idea, here are just some of the trades we offer specialist Public Liability policies for:

How to make a Public Liability Insurance claim

Once an incident that you believe could give rise to a Public Liability claim occurs, take a deep breath, and follow these steps:

#1 Reduce additional risk

The safety of any individuals involved should always be your top priority. Follow your official protocols to lessen the likelihood of any additional harm, destruction, or death. Your top concern should be making sure that everybody on the site is safe.

#2 Document the incident

Whatever has happened, be sure to collect as much info as you can. Any proof, no matter how small it may seem, could be very important to your claim because it might show what or who was the accident's primary cause. Keep in mind the following when looking for details:

  • Date and time of the event
  • What took place 
  • The names and numbers of people who were present during the incident.

Additionally, you can document the incident with photos and request a copy of relevant  CCTV footage. All this information can be used as proof of what occurred, especially if it corroborates any claims made by witnesses.

#3 Don’t accept official responsibility

Don’t feel the need to accept legal responsibility for whatever happened. This can be tricky, as instinct is usually to try to smooth things over, but you should know that accepting responsibility in the first instance can invalidate your policy. It’s better to simply say, “Let the insurance process handle it”.

Similarly, resist the urge to point the finger at anyone because any further allegations will need to be thoroughly looked into before compensation is awarded.

#4 Check your policies

If you’re a Rhino customer, locate your policy documents (they’ll be in your email inbox) or log on to your Rhino Trade Insurance account online if you wish to find out more about your specific policy’s claims process, which will be written in the policy documents.

The forms that can be found in your Rhino account are broken down as follows: 

Policy Schedule

This displays the start and end dates of your insurance as well as the extent of your coverage.

Policy Wording

This details your policy's terms. For instance, what is and isn't covered by the policy?

Certificate of Insurance

The Certificate of Insurance is a verified document that confirms your insurance coverage. When speccing a job, you can show your clients this.

Terms of Service 

The terms of business used by Rhino Protect Limited (the trading name of Rhino Trade Insurance) are made known to the customer in this document.

#5 Let your insurer know

Let your insurer know as soon as possible after any incident of harm or damage to a third party or their property, even if no third-party claim has been made yet. You should closely follow the procedure for informing your insurance provider. Different insurers can have different protocols for informing them of an incident. 

If you’re a Rhino customer, the process should be easy. As soon as you start talking to us, we'll need all the details you have about the event in order to finish the Public Liability claim. Your name, your company's details, your policy number, and other personal information are included. Who was harmed? What was damaged? What location did the work take place in? Who was in charge? Don't worry, though; we will walk you through the whole process. Our experts have worked on claims for over 20 years.

#6 Don’t delay

The longer you leave to file a claim after the incident, the less likely it is that you will be successful in getting compensated. Some policies demand that you inform your insurer within 48 hours, so the clock really is ticking. 

How to claim with Rhino Trade Insurance

Rhino’s claims process is easy. It's simple to get in touch with our claims department; just visit our website, choose "Claims" from the menu in the upper right.

Everything you need, including the phone number or email required for your insurance claim, can be found there. You may contact our claims department by selecting option three when phoning our normal number, 0116 243 7904.

Why Choose Rhino Trade Insurance?

Rhino Trade Insurance is the place to go if you need Public Liability Insurance because it is the only specialised insurance business in the UK that focuses on the trade industry. 

Every tradesperson balances risks and hazards. We provide specialised insurance and packages for almost every trade around. These jobs include Electricians, Plasterers, Bricklayers, Gardeners and many others.

And that's about it. Without needing to know your life story, we can give you a quote in a matter of minutes. For a polite conversation and to get any queries answered, phone our UK-based experts on 0116 243 7904, or visit our online, industry-leading quote engine.

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