Public liability insurance is designed for professionals who interact with customers or members of the public. It protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.
Public liability insurance could cover you financially (legal fees and expenses) if a person is accidentally injured on your premises. It can also cover you if you damage someone elses property while carrying out your work.
For most UK businesses, public liability insurance is an absolute must. Public Liability insurance could provide a business with financial protection in the event that a customer or other member of the public is injured or suffers some kind of loss that the business is responsible for. If such an event occurs, this insurance might cover the costs of compensation paid to the injured party, as well as any legal costs that are incurred by the business.