Why do property owners need public liability insurance?

As a commercial property owner you can be held liability for personal injury to tenants, customers and visitors whilst they are on your property.

Claims can result from:

  • Slips, trips and falls (cracks in pathways, loose carpet, uneven floors, faulty stair rails etc);
  • Poorly maintained or faulty rental appliances and building plant and machinery;
  • Poorly laid out or controlled car parking facilities;
  • Fires and electrical faults caused by poor maintenance or construction,
  • Inadequate cleaning or housekeeping in common areas or wet floors during cleaning operations;
  • Highly polished surfaces;
  • Unmarked plate glass panels (which should be marked with opaque materials or etchings to alert people who might walk into them);
  • Inadequate lighting;
  • Inadequate security arrangements;
  • Inadequate signage and fire protection;
  • Faults in lifts, elevators or escalators;

Below is a link to a real example of a personal injury liability claim occurring at a commercial property. The injured third party was originally awarded a $180,000 settlement, however this was overturned due to good property management practices.  


You can manage your liability exposure by outsourcing the management of your property to a licensed property manager or real estate agent. It’s also important to conduct periodic inspections and respond to any maintenance issues or complaints immediately.

If you would like to discuss insurance for your commercial property, please contact us today to speak to one of our specialist property brokers.

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