Find out about the many instances of personal injuries occurring in commercial locations and how public liability insurance can assist in defending your business against the risk of these claims. For risk-free business, you can also get public liability insurance in Hong Kong via Trusted Union.

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Companies that are directly linked with the public can be prone to risks because of the possibility of accidents, despite having made an effort to prevent these. 

If a customer or other individual sues you for injuries, death, or property damage that occurs at your place of business and you don't carry insurance for public liability and you are not insured, you could face substantial expenses that could cripple your company.

The liabilities pose a serious financial risk to businesses. Beyond the claimed amount and the legal fees that are incurred to defend the claims that are filed by third parties will also be borne by the business. Thus the need for public liability insurance is essential to stay out of this unexpected and costly cost.

Statistics on injuries claimants: According to the report released from the Injuries Board of Ireland, There were 8,645 personal injury lawsuits filed in 2009. In all of them, one out of six (17 percent) was related to public liability. 

The average settlement of 23,143 euros for each claim. The majority of accidents occurred in privately-owned establishments. 25% of them in shopping and retail outlets and 19% at nightclubs/pubs restaurants or clubs. Given the rate of accidents, businesses must purchase public liability insurance in order to protect themselves from potential legal liabilities.