What’s Causing Most Public Liability Claims – And Who’s Affected Most

Public liability insurance is essential for businesses, property owners and anyone responsible for public spaces. Whether you’re running a premises or managing a fleet, accidents can happen. And when they do, the costs can be significant.

Recent findings from the Injuries Resolution Board give a detailed look at the trends in public liability claims across Ireland from 2019 to 2023. While overall claim volumes are down, the report highlights where risks remain – and why having the right insurance cover is still crucial.

 

A Sharp Drop in Claims – But Risks Remain

According to the report, over 30,000 public liability claims were submitted between 2019 and 2023, totalling nearly €180 million in compensation. In 2023 alone, 4,795 claims were submitted, down 40% from 2019 levels.

This decline is likely due to several factors: pandemic-related restrictions, changes in public behaviour, and the introduction of the Personal Injuries Guidelines in April 2021, which lowered award values and may have discouraged borderline claims.

But despite the drop in numbers, the cost and consequences of accidents are still very real.

 

Where Accidents Happen Most

Three settings made up over half of all public liability claims in Ireland:

• Roads and footpaths: 7,839 claims
• Shops and stores: 5,118 claims
• Cafés, hotels, and restaurants: 3,564 claims

Notably, fall-related accidents made up 62% of all public liability claims. Hazards like uneven footpaths, potholes, and broken pavements were the leading causes.

In 2023, for example:

• Uneven footpaths caused over €4 million in compensation.
• Potholes added another €1.08 million.
• Defective manhole covers and drains also contributed.

This highlights the ongoing need for strong safety practices and the value of public liability insurance to cover the unexpected.

 

Who’s Most Affected?

Interestingly, older adults (65+) made up a disproportionately high share of claims – 21%, despite representing just 15% of the population. They were also more likely to suffer serious injuries from falls, which could lead to higher compensation payouts.

Meanwhile, female claimants accounted for 59% of all claims. But when it came to assault-related claims, men were far more likely to be involved – making up 3 in 4 cases.

If you or your employees work in public areas or customer-facing roles, this data is a useful reminder of who’s most at risk and why cover matters.

To learn more, check out our blog on who does public liability insurance cover?

 

Average Award Values Are Dropping

The average public liability compensation award in 2023 was €20,396, down 22% from 2020. The median award dropped even more – down 40% to €12,414.

This reflects the impact of the new guidelines and a trend towards more consistent, lower-value awards. But for businesses, even a single claim can be financially damaging without the right cover in place.

 

Why Public Liability Insurance Still Matters

Even with falling claim numbers, the financial and legal risks haven’t gone away. If a customer, member of the public, or third party is injured due to your business activities, you could be held legally liable. The costs can be substantial.

Public liability insurance helps cover compensation, legal fees, and related costs. For tradesmen, sole traders, and small businesses, it’s an essential layer of protection. Especially if you’re working in public spaces or welcoming customers onto your premises.

The data may show a drop in claims, but the risks are still there. Especially from falls and accidents in public-facing settings. Claims can be costly, especially when injuries are severe or involve vulnerable people.

 

Need Public Liability Insurance in Ireland?

At Insure My Van, we help companies of all sizes find the right public liability insurance in Ireland. Whether you’re a sole trader, contractor, or fleet operator, our team of experts will match you with affordable cover that fits.

Get started at Insuremyvan.ie – fast quotes, expert advice, and protection that works when you need it most.