Public liability insurance isn't legally required for all UK businesses. However, it's highly recommended for those with public interactions as it provides crucial protection against injury or damage claims. Instances where it might be needed: Regulated Professions: Certain regulated professions may require it as part of their regulations.Contractual Obligations: Contracts with larger entities or government bodies might stipulate its necessity.Trade Associations: Membership in some associations may mandate it. Though not obligatory, lacking this insurance can pose financial risks.