What are personal liabilities?

Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for.

What is the difference between personal and public liability insurance?

Personal liability insurance covers injury or damage compensation claims made against you by a third party. Public liability insurance is the commercial version of this insurance – it covers compensation costs if someone makes a claim against your business for injury or damage.

Do I need separate public liability insurance?

Public liability insurance is recommended for any business that interacts in public places or has members of the public visit their premises (which includes any person that is not an employee). In every line of work, there's always the potential for something to go wrong – and accidents do happen.

Why do I need public liability?

Public liability insurance helps to cover you for potentially damaging legal claims and can pay compensation on your behalf. With the cover in place, claims are less likely to eat into your business profits.

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