Liability insurance claims

A third-party or employee may suggest that they have suffered an accident as a result of your negligence or a failure to protect their safety. CLEAR's expertise is to assist you through the claims process and help to achieve the best possible resolution to a claim made, at the very earliest opportunity. 

It is a condition of any Public or Employers Liability policy that you must advise your insurers as soon as reasonably possible, of any circumstance that could give rise to a claim. In the event of a complaint, don't delay, call CLEAR and we'll give you the professional advice and help you need to see it through.

Managing a claim

In order to determine whether a circumstance may be considered a possible claim, insurers will require the following:

  1. You must notify us as soon as possible for your policy to respond
  2. The date of your first awareness of an accident or a complaint being made
  3. Copies of all relevant correspondence and a chronology of events leading up to the notification of the claim against you
  4. Detailed information concerning the present position i.e. your thoughts in respect of any liability on your part in relation to the claim being raised against you

What you need to know

Here are some of the most frequently asked questions we receive about Liability insurance claims:

What do I do if an employee or customer/member of the public suffers an accident on site?
We advise you that all accidents, whether resulting in a formal claim or not, need to be reported to us immediately, without delay.
How long does someone have to put in a claim?
An injured person has 3 years from the date of an accident to submit a claim. If they are a minor, this changes to 3 years from when they turn 18.
What do I do if I receive a 'Letter of Claim' or 'Claim Notification Form' (CNF) from a solicitor?
If a formal claim is received in respect of accidents occurring before 31st July 2013, any correspondence from the claimant's solicitors must still be sent to us immediately and unanswered.

If a formal claim is received for accidents that happened after 31st July 2013, the new Ministry of Justice reforms require you to acknowledge by email the solicitor’s letter with the 'Claims Notification Form', within 24 hours of receipt. Please see the 'Liability Claims Accident Reporting Factsheet' for full details.

In the event of a claim, what information and documentation will my insurer require?
The documents required for Public Liability incidents include:

  • Accident book entry
  • First Aider/Surgery report
  • Internal investigation report
  • RIDDOR form
  • Pre and post-accident risk assessment
  • CCTV footage
  • Any other relevant documents

The documents required for Employer's Liability incidents include:

  • Accident book entry
  • First Aider/Surgery report
  • Internal investigation report
  • RIDDOR form
  • Pre and post-accident risk assessment
  • Training records
  • Wage information (13 weeks prior to the accident to return to work, if applicable)
  • CCTV footage
  • Any other relevant documents

Related Information

 

Speak to a specialist, Andra Smith, to discuss any claims questions you have.

Call 020 8329 4933 or email