What Is It?
If members of the public, customers or clients visit your business premises, you should consider taking out a public liability insurance policy. Even if you run a home-based business, if your customers sometimes visit you, you should consider taking out this policy.
What does public liability insurance cover?
This type of insurance will cover the cost of claims if a member of the public is injured by you, your employees, or accidentally in your business premises. It will also cover you if you damage property belonging to someone else, while carrying out business activities.
Example
You own a carpet showroom. One of your customers comes in to order some stock, but trips over a loose piece of carpet you have on display. Your policy will cover the customer’s claim for injuries sustained.