Although it’s not legally required, if your home-based business frequently receives visitors, we’d advise you to think about getting public liability insurance.
For instance, if your client visited your home office and tripped over a stray wire in your hallway and suffered an injury, public liability insurance would help cover the medical costs and potential legal fees.
Similarly, if you accidently damaged a client's property whilst they were at your home office, public liability insurance would financially cover you for this as well.