Although Public Liability is not a legal requirement for some businesses, it should be considered essential if members of the public interact with your business in any way. If any of the below apply to your business then you should consider taking out Public Liability:
If you own a business premise that members of the public, customers or clients visit.
If your business organises events or activities that are attended by members of the public.
If you run a business from home and customers or clients visit your home in for professional purposes.
If you own a horse riding establishment you are legally obliged to have public liability insurance.
Public liability insurance covers anyone, apart from employees, with whom you interact as part of your business.