Public Liability Insurance helps to protect you or your organization become liable to pay compensation or legal settlements for injury to third parties, or damage to their property, during the course of your work or employment. Public Liability Insurance can also cover the cost of your reasonable legal fees incurred from defending a claim against you.
If you interact with the general public as part of running your business, there is always a risk that an accident could happen.
If a customer trips on an item at your business premises, or an employee damages customer property, you could be legally liable to cover the costs. This could include the cost of third-party compensation or expenses, in addition to the cost of funding your own legal defense.