Public and Products Liability Insurance

A forklift operator who was attempting to stack a pallet onto a shelf hit a sprinkler with the forklift, causing water damage to goods held in care, custody or control. The insured was responsible for damage to the claimant’s goods which occurred during the course of conducting their business. 

The claimant had engaged the insured to service a cleaning machine, which was taken to the insured’s premises to complete the service. The insured’s secured premises were broken into, and the claimant’s trailer and machine stolen. The claimant held the insured responsible as their equipment was at the insured’s premises. 

The insured was engaged to complete a commercial fencing project. The claimant, who was also working on the same project, stepped backwards into an uncovered hole that had been drilled by the insured, twisting their knee and back. 

The insured was engaged to supply and install a nurse call system in a care facility. While laying cables in the ceiling cavity the insured’s employee slipped and put their foot and weight on a fire system pipe causing it to break. Water flowed for approximately 30 minutes before it could be turned off, causing damage to at least seven rooms and to personal items belonging to residents. 

The insured was engaged to supply and install aluminium and glazed doors and windows to a new residential property. It was alleged that the windows were incorrectly installed, causing water damage to the property following heavy rain and storm events.