Public Liability Insurance: It’s Not JUST For Offices!
While public liability insurance is not a legal requirement in the UK, it is consistently cited as one of the most important, and one of the most valuable, insurance products available to businesses. Public liability insurance offers financial protection to businesses should a member of the public suffer an injury while on the premises. Public liability insurance is most commonly recommended for any type of business that deals directly with the public, and where non-employees may visit regularly, such as retail stores, leisure, entertainment, and hospitality venues, and office blocks for multiple industries.
However, public liability insurance doesn’t just provide protection and peace of mind for these types of business alone. In fact, there are a number of other industries where public liability insurance is very important, and yet it is often overlooked in these situations. A prime example is UK farmland.
According to The Ramblers – a charity that promotes outdoor pursuits – recreational walking is one of the most popular activities in the UK. It’s reported that 22 percent of us enjoy a good hike, beating swimming (13.4 percent), going to the gym (10.7 percent), and cycling (8.5 percent). Walking routes often take ramblers through private lands and farms thanks to permission of the owners, but it seems that crossing farmland is proving to be quite a risky endeavour for walkers, and costly for farmers.
It is said that cows are the most dangerous large animal in the country, and there have been many reports in recent years of walkers being injured while out and about. Reports tend to spike during the spring and summer months when there is a natural instinct to protect young calves. There is a concern that some farmers may feel a false sense of security due to the term ‘public footpath’, but according to the Animals Act 1971/ farmers have a ‘strict liability in tort for damage done by an animal’. At this time of year especially, farmers are being urged to take precautions to protect themselves and their business by:
- Cost – While there is a significant debate going on about which is the
more cost effective route – data centres or onsite dedicated servers, the general consensus seems to be that, for smaller businesses at least, a
data centre will often bring savings when compared to a dedicated server.
- Ensuring public liability insurance policies are up to date. If no valid policy is in place, farmers are urged to compare public liability insurance deals online and arrange for suitable cover.
- Placing signs and information boards in prominent locations where they can easily be seen and accessed by the public. These signs should indicate the presence of animals, and outline dangers.
- Informing the public of proper protocol for minimising risk in the presence of animals, most notably by keeping dogs on leads while crossing the field, rather than running free.