Liability for third-party physical injury or property damage resulting from your business activities is covered by public liability insurance. The policy is intended for businesses that work with consumers or the general public. It helps defend you against third-party claims of bodily injury or property damage caused by your business operations.

Any business that interacts with the public or has members of the public visit their premises should consider purchasing public liability insurance. There’s always the possibility of things going wrong in any line of work, and accidents do happen.