Public liability insurance covers you against any injury to a third party or property damage you cause during the course of your work. An example of when your liability insurance would usually provide cover would be if you were a loft insulation installer and you accidentally put your foot through the ceiling of the property. Another example could be if you were working on a ladder and you dropped your pot of paint onto a third party causing injury.
Liability claims can be for huge sums of money which is why public liability insurance policies offer indemnity limits starting from £1,000,000. Some insurers also offer cover extensions to provide for goods in transit and tools cover
