Public liability insurance covers you against accidents to members of the public or damage to property that occurs as a result of your business activities. It also covers any related legal costs.

Even if you work from home, you may need public liability cover. If clients visit you there, the policy will cover you if they injure themselves while they are on your premises�� it could be something as silly as tripping over a computer cable.

If you regularly work off‑site, your policy should cover this too.

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