If you’re a sole trader or small business owner, you have a duty of care to take reasonable steps to prevent your customers, clients, suppliers, and the general public suffering an injury or property damage as a result of your business activities.
Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your allegedly negligent business activities.. The likelihood of a claim being made against you is unpredictable and just one incident, whether you’re found liable not, could have the potential to be financially crippling to your business, as well as negatively impact your reputation.