If you trip on a faulty pavement, the local council will usually be responsible, whereas if you are in a public building, the owner will generally be liable. That's why most councils, landowners and even dog owners carry Public Liability Insurance. This is an essential insurance policy, which ensures that money is available to pay for financial compensation and any necessary rehabilitation or medical expenses that arise from slips, trips or falls caused by negligence on the policyholder's land or premises.