Hi, my query relates to public liability for a business. Today I took my elderly neighbour to a business run by a lady in her 70s from a couple of rooms in a private residence. On our way out my neighbour took a fall down a step and landed on her shoulder. She has been taken to hospital in an ambulance where she'll have some diagnostic tests carried out to determine the extent of her injury which, at the moment, does not appear to be a break or dislocation. I asked the business owner if she was insured for public liability and she is not. I feel awful for the business owner and want to find out what her liability may be. Is it possible that her home insurance policy could cover this scenario? Some other points which may be relevant: My neighbour has various health and disability issues and currently receives support for them through the public system. Her current state of health is not particularly good, a combination of arthritis in her knees and eye cataracts would certainly have contributed to her fall. Another neighbour who is a qualified nurse and has taken an interest in her care has the opinion that this fall was imminent and that her mobility has deteriorated in recent weeks. The business owner was taking measures to ensure my neighbour's safety, and had in fact told her to wait so she could get a chair for her to lean on as a portable hand rail while she eased herself down a ramp. Unfortunately it all happened very quickly and my neighbour misjudged her footing, falling to the ground. No money has changed hands as yet, we were dropping off some items for repair to collect at a later date. We were in the carport at the time of the accident, not inside the rooms dedicated to the running of the business. Thanks.