Skip to content

Visitor trips and fractures cheekbone

Situated in London and a multi-tenanted building comprising a mix of commercial, assured tenants and shared ownership units, a large property management company managing numerous property units in the UK was subject to a liability claim following a trip at one of their premises.

The incident

The property where the incident occurred had a rear and front entrance. The rear access was never intended for regular use, and our customer had advised, in writing, all inhabitants that they should refrain from using the gate to the rear of the property.

To alert visitors to the potential trip hazard, yellow and black warning tape is wrapped around the bottom bar and there are ‘caution -mind the step’ signs at eye-level on both sides of the gate.

Despite this, the gate continued to be used and on one particular occasion, a visitor to one of the business units caught his toe on the bar and fell, sustaining a fractured cheekbone requiring surgery.

Although the accident was not reported at the time, the visitor subsequently attempted to make a claim against the building managers for the injury incurred.

Our response

Full risk assessments on the premises were in place, carried out by independent health and safety consultants.

Although, these had not specified the trip hazard created by the gate, a subsequent visit by the consultant found that the area of the gate was well lit and that the hazard had already been highlighted with hazard tape before the accident.

He confirmed that these constituted reasonable measures.

On being advised that the person who suffered the injury intended to make a claim, we were able to offer a robust defence, citing the evidence supplied by our customer. We denied liability, setting out all of the relevant facts and no further action was instigated by the claimant.

Mark Matthews, Risk Management Director at Ecclesiastical commented:

"Minor accidents - what the insurance industry terms ‘slips, trips and falls’ - can happen in any building to which the general public has access. With this in mind, we stress to all of our customers how vital it is to have carried out fully-documented risk assessments which, in the event of a possibly spurious public liability claim, will be the main form of defence."

Ecclesiastical Insurance Group plc (EIG) Reg No 1718196. Ecclesiastical Insurance Office plc (EIO) Reg No 24869. Ecclesiastical Life Ltd (ELL) Reg No 243111. Ecclesiastical Financial Advisory Services Ltd (EFAS) Reg No 2046087. Ecclesiastical Underwriting Management Ltd (EUML) Reg No 2368571. E.I.O. Trustees Ltd Reg No 941199. EdenTree Investment Management Ltd (EIM) Reg No 2519319. All companies are registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ. EIO and ELL are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 113848 (EIO) and 110318 (ELL). EFAS and EIM are authorised and regulated by the Financial Conduct Authority. Firm Reference Number 126123 (EFAS) and 527473 (EIM). EUML is an appointed representative of EIO who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 402228.