What is public liability insurance?

Public liability insurance, also commonly known as general liability insurance, is a type of business insurance that protects businesses from financial losses if a member of the public claims they were injured or their property was damaged due to the business's activities.

Here are some key points about public liability insurance:

• Who it covers: It covers claims from customers, visitors, and even delivery personnel.
• What it covers: It typically covers the costs of medical expenses, legal fees, and compensation payouts if the business is found liable.
• Why it's important: While not always legally required, it's highly recommended for businesses of all sizes as legal costs and compensation can be significant in case of an incident.

It's important to note that public liability insurance is separate from other types of liability insurance, such as employer's liability insurance which covers claims from employees.