What is Public Liability Insurance and do I need it?
Posted on 30th October 2019
Well, put briefly, public liability insurance is insurance that is in place to cover compensation to a member of the public, if they make a claim against your business.
Examples of claims include personal injury, the damages for which can amount to many thousands of pounds in compensation, and then there is the injured person’s personal injury solicitor’s costs to think about.
So that’s that then, it’s a legal obligation for any and all businesses in the UK to have a policy of Public Liability in place. Well, actually, on the contrary- there are businesses out there, including beauticians, hairdressers, hairdressers and cosmetic surgeons, who are practising, completely legally, and yet without one single bit of insurance in place to compensate those who suffer a personal injury at their hands.
This all seems a bit fetched, right? One would think so, but unfortunately, whilst it’s a legal obligation to hold a valid and current policy insurance on the roads, there is no legal requirement to hold insurance to compensate any customer or client, if you provide beauty treatment, or ‘fringe’ cosmetic surgery.
Unfortunately MG Legal’s team of personal injury solicitors know all too well the consequences of beauty treatment gone wrong. Our personal injury solicitors have seen it all- Burns from lack of patch testing, mesotherapy gone wrong (I mean, needles being inserted all over your face, what could go wrong?), thread vein treatment that has left scars, and fibroblast treatment that left a client’s skin scarred, with deeper wrinkles than before the treatment started. And don’t mention Botox. Potential Botox side effects include pain at the injection site, infection, inflammation, swelling, redness, bleeding and bruising, itching, wheezing, asthma, a rash, red welts, dizziness and faintness- All are personal injuries that you are unable to make a claim for if:-
1. You are not informed of the potential side-effects prior to the treatment commencing, or
2. The treatment is such that it falls below the standard of care of a reasonably competent practitioner.
Any of the personal injuries mentioned above, can and have happened. MG Legal’s personal injury solicitors in Preston and Lancaster have accepted instruction, on a No-Win No Fee basis, from clients who have been unfortunate to be injured at the hands of beauticians, hairdressers, and even barbers. At times, there has been Public Liability Insurance in place, and our personal injury solicitors liaise with the insurer in order to facilitate settlement for our injured client.
And if there is no public liability in place? Well, I’m glad you asked. The procedure is exactly the same; our injury lawyers take instruction from the injured client, write to the tortfeasor (a fancy legal term for the at-fault party), and await a response. Pending a response, our injured client is medical examined, a medical report prepared, and then sent to the ‘at-fault’ beauty treatment provider, in order to propel the matter to a successful conclusion, whereby our client receives compensation for the injuries sustained.
There are, as they say, ways and means, but until Public Liability Insurance becomes a legal requirement for all businesses, compensation for those injured, whilst not out of reach, is subject to the funds available to the negligent party.
If you have been injured at the hands of a beautician, hairdresser, or even suffered medical negligence, resulting in injury, at the hands of a cosmetic surgeon, then please do not hesitate to get in touch with our expert solicitors at MG Legal.
MG Legal- Your Local Solicitors
Tagged as: Accident Injury Solicitors, Garstang Solicitors, Personal Injury Solicitors, Your Local Solicitors
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