The insured, All Wired Up owns and operates premises as a retail electrical store. They also undertake repairs to electrical appliances. An employee of the insured accidentally left a soldering iron on overnight, which appears to have dislodged from its stand, causing a fire in the premises.Apart from the damage to the premises and own stock, goods belonging to customers and left for repair were damaged. A photocopy machine under lease has been totally destroyed. Under that lease the insured is responsible for any damage to the copier, and does not have it specifically insured.The fire spread to adjoining premises causing part of the roof to fall in and in turn causing a drum of chemicals to break open allowing the contents to escape and spread to the next adjoining property and also into a storm water drain.All Wired Up is being held responsible for damage to the adjoining building and contents, and also the cost of cleaning up the chemicals.Describe a range of different covers that may be provided by a public liability policy for the damage referred to in the case study, and explain if the insured should be held liable.Explain the steps you would undertake in negotiating settlement of this claim
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