use of inusrance and public funds

• Where occupiers are liable, compensation is often paid via public liability insurance. This supports the tort law aim of compensating those who suffer harm due to another’s fault.
• However, if a claim fails – especially for a severely injured trespasser – the cost of long-term care may fall on the state, funded by taxpayers. This raises ethical questions about who should bear the burden.
• The law arguably prioritises limiting occupier liability and protecting property rights over providing justice in edge cases