Public Liability insurance protects you if a third party (a member of the public) sues your business, alleging that your negligence caused them some type of bodily injury, death or property damage. The most common accident resulting in this type of claim is a ‘slip and fall’.
When you are subject to legal action, you will notify your insurance company. The insurer covers any costs associated with the lawsuit.
Public liability will cover all legal costs and also pay for third parties recovery. It allows the business to run normally and avoid any major public problems, protecting the owner finically and the brand itself.