Real examples of liability protection against accidental injury

Kevin had a shock when a member of the public was injured by his electric fence

On the farm, he keeps a dozen horses, who graze in a series of paddocks on his land throughout the day. Each paddock is secured with a low voltage, battery operated electric fence. The surrounding countryside is a popular area for dog walkers and ramblers, and a public footpath runs around the perimeter of Kevin’s land.

Unfortunately, one day, a member of the public suffered an electric shock from one of the fences on Kevin’s property, as they were out walking. The individual claimed to have suffered minor burns as a result of the contact with the fence.

As Kevin’s business insurance policy with Hiscox includes public liability cover, we were able to step in and assist him through the allegation process, despite the challenging circumstances. We offered him support by defending against the claim made by the member of the public, investigating the circumstances of the accident thoroughly and obtaining crucial witness evidence of the event. We maintained a firm denial of liability throughout the process, due to the fence being on private property and set at a low voltage. Fortunately, the claimant discontinued the legal proceedings shortly before it went to trial.

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