Why would you need or want Public Liability insurance, well the answer is simple, the time and cost of defending a claim could be very expencive.
- Client may insists that your business has this insurance before they offer you any work.
- if you come into contact with general public in connection with your work either at your premises or theirs you could be liable to a claim for compensation and or damages if;
- a person is injured,
- their property is damaged because of your business, so you can get the right level for your trade or profession.