Have suf­fi­cient pub­lic li­a­bil­ity in­surance

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SUF­FI­CIENT COVER There has been fur­ther com­ment, this time from Michael Bauer, GM of prop­erty man­age­ment com­pany IHFM, on the court case (

) in which the ten­ant in a block of flats sued the body cor­po­rate suc­cess­fully for dam­ages af­ter he in­jured him­self on a flight of stairs that had no handrail. Bauer says that in his ex­pe­ri­ence many schemes’ li­a­bil­ity in­surance specif­i­cally ex­cludes any claims for dam­age to the prop­erty and oc­cu­pant’s pos­ses­sions but ne­glect to ex­clude dam­ages or in­jury that might hap­pen to peo­ple. “The li­a­bil­ity clauses are of­ten in­ad­e­quate. We ad­vise hav­ing a pol­icy that does cover per­sonal in­juries. This has to be com­ple­mented by warn­ing signs re­gard­ing slip­pery sur­faces or any other haz­ard as well as reg­u­lar health and safety in­spec­tions.”

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