Public liability insurance provides financial security for small businesses and sole traders if someone is accidentally injured in your workplace, or if a claim is made against your business. If a member of the public is injured in connection with your business they could be entitled to claim a lot of money.
If you don't have the right cover in place, that claim could have to come out of your pocket, putting your business on the line.
It's good practice to have enough cover in place to protect yourself and your business against two types of claims that people might make: negligence that led to someone being injured or negligence that led to someone’s property being damaged.
Each policy will vary with different levels of cover, but most insurers offer cover for personal injuries, legal fees, compensation claims, and even death.