Public Liability Insurance

Public Liability is a quite common insurance. Landlords often include it as part of the rental agreement. It typically covers the property owner/occupier for injuries which a third party may suffer whilst at a property. A common example is if someone were to visit an office, then slips due to a puddle of water being present and injures him/herself, they could in theory hold the business liable for injury as there was no sign indicating the floor is wet. A public liability would cover the legal cost arising out of such situation.