Public Liablity covers you for the cost of a claim made by a member of the public that has suffered injury or property damage as a result of your business or a product it has supplied. This means that it protects you against the cost of compensation to be paid out, as well as the legal expenses incurred by the claims process.

This could mean anything from a client or member of the public slipping on a wet floor on your business premises, to tripping over your work equipment when you’re visiting them at theirs. It also covers you for damage to property. For example, if a member of the public were to claim you’d broken their laptop whilst visiting them on business, you’d be covered for the cost of compensation owed to them, up to the limit of your policy.