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.
Many business owners don't take the time to understand public liability insurance, and could face paying exorbitant fees for damages if their policy proves to be insufficient for their needs.
While public liability insurance is not a legal requirement for some businesses, it should be considered essential if members of the public will be interacting with your company in any way - from customers receiving deliveries to clients visiting your office or work premises. This means that even home-based businesses should consider public liability insurance if their home office is also used as a meeting place.
For More Information