As a small business or sole trader, you might think that public liability insurance is an unnecessary expense, but it can be invaluable to your business if something goes wrong. It covers you against claims, legal costs and compensation if your business is not at fault.
Public liability insurance is worth considering if:
You have an office that members of the public frequently visit
Your business hosts events
You work near the public or somewhere that the public has access to, like the street or walkways