Public Liability
This form of insurance cover is put in place to protect you as a business from claims made by members of the public or other businesses.
Your business partakes in activities which may potentially have an effect on a third party. This may be a visitor to your premises, a non-visiting member of the public, a subcontractor, even a trespasser. If they are physically injured or their property is damaged (or both) as a result of your business or its activities, public liability insurance will protect you should they decide to make a claim against you.
Although voluntary, it is highly advisable for businesses to include public liability within their insurance portfolio.
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