Public liability insurance protects your business from legal claims arising from injuries or property damage caused by your business operations. It covers the costs of legal defence, settlements, or judgments if someone is injured or their property is damaged due to your business activities.

Examples of situations that might be covered by public liability insurance:

•  A customer slips and falls on your business premises.

•  A product you sell causes injury or property damage.

•  An employee accidentally damages a customer’s property while on the job.

•  Your business operations cause environmental pollution.

The amount of coverage you need will depend on the nature of your business, the potential risks involved, and the legal environment in your area.