What is public liability insurance?
Public liability insurance is cover that protects UK businesses against claims from third parties who suffer injury or property damage due to your business activities, with most policies providing between £1-10 million protection and being a legal requirement for many trades and industries regulated by professional bodies or required by clients and venues.

Public liability insurance covers your interactions with third parties (by this definition, anyone who isn't your employee).
If your business causes an injury or property damage to a member of the public, public liability insurance will cover you for the resulting legal and compensation costs.
Public liability insurance covers your interactions with third parties (by this definition, anyone who isn’t your employee).
If your business causes an injury or property damage to a member of the public, public liability insurance will cover you for the resulting legal and compensation costs.