Public liability insurance doesn’t cover claims made by employees. It’s designed to cover compensation claims made by a third party - for example a client, a customer, a supplier, or another member of the public - because they’ve been injured or their property’s been damaged by your business.
Public liability insurance is designed to cover members of the public rather than employees. Employers’ liability insurance is the insurance you need to cover injury or damage claims made by a member of staff. This insurance is a legal obligation for most employers.
Going back to public liability insurance, a ‘member of the public’ could mean pretty much anyone your business comes into contact with, from a customer who enters your shop to a pedestrian who passes your construction site.
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