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Public Liability Insurance protects you and your business against the financial risks of being found liable for a third party death or injury. Professional liability insurance, also called Errors & Omissions, protects businesses from claims related to advice or services provided. The term liability insurance refers to an insurance product that provides an insured party with protection against claims resulting from injuries and damage.

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Liability insurance, also called Commercial General Liability (CGL), covers four categories of events for which you could be held responsible: bodily injury. Your liability insurer will pay damages that you are legally obligated to pay as a result of “bodily injury,” “property damage” or “personal and advertising. Public liability insurance protects you in case a third party brings you to court after an accident – whether there's been damage to their property, an injury.

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Public liability insurance is designed to protect you and your business should a customer, supplier or member of the public bring a claim against you for. Liability insurance helps cover medical and legal fees if you're held legally responsible for someone else's injury, or damage to someone else's property. Quick liability insurance decisions from underwriters with high authority levels Employers' Liability insurer when they have suffered injury or disease.