Both of these policies are completely different from one another; the public liability insurance insures against third-party bodily injury and property damage claims resulting from accidents and/or incidents that occur on the insured premises as a result of their company operations. However, Professional Indemnity is not location-specific and will cover claims brought about by errors, omissions, or carelessness in medical practitioners’ treatment of patients that result in physical harm or patient death. Claims relating to professional negligence are excluded from coverage under public liability policies.