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When you’re out and about, whether you’re shopping, enjoying recreational activities, or visiting a public building, the last thing you expect is to be injured in an accident. But if you are injured, you may need time off work and medical treatment and this can create significant financial stress for you and your family. A public liability compensation claim can be a real lifeline, providing financial support while you recover, and in some cases significant lump sums.
In this guide, we explain in simple terms everything you need to know about making a successful public liability claim, including claim examples and how to get help with your claim.
A public liability claim is a claim for compensation to cover the losses you incur from being injured in a public place. It can include amounts for:
All public places and buildings, including rental properties, are required to have public liability insurance in NSW. So if you’re injured in one of these buildings and you make a public liability claim, it’s likely you’ll be claiming compensation from the public liability insurer.
Ask yourself these three questions:
If you answered yes to these questions, then it’s likely you can make a public liability claim.
The second point about negligence can be hard to determine, but read on to learn more about whether you’re entitled to make a public liability claim. We’ve also included examples of claims and payouts and the simple steps you can take to make a successful claim.
Even if you’re going to get a lawyer to handle your claim for you, it’s a good idea to have a basic understanding of the public liability claims process before you start. Here are the basic steps to the claim process:
Although the public liability claim process is relatively straightforward, there are two important factors to keep in mind before you proceed with a claim:
Now that you understand the claim process, read on to learn how you can use this information to give your claim the best possible chance of success, and how to make sure you receive absolutely everything you’re entitled to, including any lump sums.
For your public liability claim to be successful, you’ll need to prove that:
Proving these two points isn’t always straightforward – you can only hold someone liable if they knew or should have known about a potential hazard and did nothing about it.
Take for example a slip and fall accident. If a hazard like a roof leak causing a slippery floor had just happened prior to your accident, and there was no way for the building manager to know about it yet, it’s very unlikely they could be held liable. However, if the building manager knew about the slippery floor and failed to clean it up or put up
Proving liability is key to the success of your claim, and this is where we can help. At Law Partners, we have extensive experience building strong public liability claims and negotiating significant settlements for our clients. We win over 99% of our cases.
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Get startedDepending on the extent of your injuries, you might be able to claim public liability compensation for:
If you can’t work, you might also be entitled a lump sum TPD payment through your super fund.
Generally, you have three years from the date of injury to claim public liability compensation. However:
Regardless of how long it’s been since your injury, if you’re considering claiming public liability compensation you should speak to a specialist lawyer and get advice on your options as soon as possible. The sooner you start the process the easier it will be to gather the evidence you need to make a successful claim.
Public liability claims typically take 12-18 months to settle. However, they can take significantly longer depending on your injuries, especially if you can’t reach a settlement agreement and you need to take the insurer to court to pursue compensation.
It’s also important that your injuries are given time to stabilise before you finalise your claim, to make sure you’re claiming everything you’re entitled to. This is another reason why you should never allow yourself to be pressured into taking an early settlement.
When you make a public liability claim, you’re claiming the defendant is liable for your injuries. If the defendant admits liability, then their public liability insurer is likely to offer you a sum of money as compensation – this is known as a settlement. If you can’t come to an agreement on the settlement amount, or if the defendant denies liability, then you have the option of taking them to court and letting a judge decide on the outcome – this is known as litigation.
Even if the defendant admits liability, the settlements we win for our clients are often significantly higher than the first settlement offer from the public liability insurer.
Public liability claims payouts depend on the extent of your injuries and the expenses you’ve incurred, but payouts can run into hundreds of thousands or even millions of dollars. Looking at settlements from past claims can be a good way to get an indication of what you might be entitled to.
Frank took a break from his news agency at a shopping complex in South-West Sydney to go to the toilet. When he got there, he slipped on newspaper and cardboard that had been laid across a wet floor at the entrance. Frank suffered full tears of both his rotator cuffs and broken bones in both his wrists. He underwent two operations to repair the severely torn muscles, and not long after the accident he also developed carpal tunnel syndrome in both wrists. Frank’s lawyer, Chantille, discovered that the shopping centre had no adequate hazard identification system or regular system to clean the floors of the common areas. Chantille made a successful public liability claim on Frank’s behalf, resulting in his $540,000 settlement.
An important point about public liability compensation that’s often missed is that simply claiming for the obvious injury could mean you miss out on significant entitlements. In many cases an injury leads to other problems – for example, an injured leg can lead to a limp that causes hip and back problems.
This is where our specialist public liability lawyers can really help. By getting to know you personally, then gathering all the medical evidence and arguing your case on your behalf, we’ll generally get you a much higher public liability compensation payout than if you simply accept an offer from the insurer.
If your injuries are significant, you might be able to claim a lump sum for pain and suffering as part of your public liability claim payout. The maximum amount payable in NSW is $705,000*. However, most pain and suffering compensation payouts fall into the 0-$120,000 range.
Pain and suffering is a payment for the harmful impact the injury has had on your life, physically and mentally. It’s also referred to as general damages or non-economic loss. It’s calculated based on the extent of your injuries compared to the ‘most extreme case’ (MEC), and is payable if your injuries are assessed as being at least 15% of the MEC.
*This applies for the year commencing 1 October, 2022.
Call 13 15 15 or chat to us now for free advice
Chat nowFind out how much you can claim.
Get startedHere’s a list of the most common situations for accidents and injuries that lead to public liability claims:
| Situation | Common accidents |
|---|---|
| Supermarkets and shopping centres | Slips, trips and falls |
| Restaurants and cafes | Slips, trips and falls, food poisoning |
| Hotels and bars | Slips, trips and falls, assaults and security guard incidents |
| Rental properties | Accidents from poorly maintained premises |
| Public and private schools | Slips, trips and falls, sporting injuries |
| Sporting events and recreational activities | Slips, trips and falls, accidents from poorly maintained premises and equipment |
A very common public liability claim example is a slip and fall accident in a supermarket or shopping centre. Supermarkets are notorious places for spillages and wet floors that become hazardous, so it’s no surprise that the majority of accidents in supermarkets are from slips and falls.
For more public liability claims examples, refer to this article: Three examples of when to make a public liability claim.
Public liability claims can be complex, so it’s strongly advised that you engage an experienced public liability lawyer to act on your behalf and manage the claim process for you. At law Partners, we have a team of dedicated public liability lawyers. We win over 99% of our cases and we’ll fund your claim for you so you’ll only have to pay us after you receive your compensation.
If you’re not yet ready to engage a lawyer, you can call Law Partners on 13 15 15 and get free legal advice over the phone.
Shane Butcher
Principal
An accredited specialist in personal injury law and spokesman for the Australian Lawyers Alliance, with the best part of 20 years’ experience in assisting injured Australians receive everything they’re entitled to.
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