Public liability insurance is a form of insurance that will cover costs if your business is responsible for a member of the public incurring an injury to themselves, or damage to their property.  This type of insurance is aimed at business owners, property owners and people who employ staff that interact with the public in some way.  Usually such insurance will cover awards made by a court if you are found liable, along with legal fees and the associated expenses of bringing a case to court.  The insurance may also cover the legal fees of the people who were a victim of injury or property damage if you are found to be at fault.  Under certain circumstances, those found negligent may be required to make financial restitution to the National Health Service, or a private healthcare provider, if the claimant requires medical care.

There are many variables in an insurance policy and it is always a good idea to thoroughly read the insurance documents and take any queries up with your insurance provider if you are uncertain about the terms and conditions of your policy.  There are many businesses that are advised to take out this insurance, and in some cases there is even a legal requirement to have it in place.  Landlords in particular are strongly advised to invest in this type of insurance to make sure that they are covered in the event that one of their tenants has an accident.