Public liability insurance would cover a business if a customer or member of the public was to suffer a loss or injury as a result of its business activities. If that person made a claim for compensation, the insurance would cover the compensation payment plus any legal expenses.
Policies are usually tailored to the individual business however as a guide, the insurance covers a business's legal liability to pay damages to members of the public for death and injury or damage to property or possessions, which has resulted from the business's activities. I found this information on http://www.simplybusiness.co.uk.
After finding out what Public Liability is I decided to look at company's that can ensure your equipment whilst at the same time giving you public liability insurance. This is when I came across this website: http://www.photoguard.co.uk/. They can cover me for £95.00 a year to insure £2000 worth of equipment and give me public liability insurance. I believe this to be a really good price and although I do not want to purchase public liability insurance or equipment insurance just yet I do intend to purchase it in the near future.
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