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Public Liability covers a range of financial risks including compensation payable to third parties for personal injury or property damage, legal defence and representation costs and other costs associated with legal action taken against you.
What is Public Liability Insurance?
Public Liability insurance is designed to protect you and your taxi/driver from legal and/or medical costs that arise from an incident connected to your activities.
In short, Public Liability Insurance protects your interests if you are sued in connection with the operation of your taxi.
It protects you against the financial risk of being found liable to a third party for death or injury, loss of or damage to property or ‘pure economic’ loss resulting from your negligence. Liability insurance is absolutely essential for every taxi operator.
Why is Public Liability Insurance important?
- To protect you against claims arising from allegations of negligence when the taxi is stationery (i.e. the risk of loading and unloading passengers)
Examples of Public Liability Claims
- A customer trips on a floor mat while leaving your cab and injures themselves.
- A disabled passenger falls due to their wheelchair being improperly secured while the hoist is operating.