Public Liability vs Professional Indemnity

Key Differences

Public Liability Insurance

Covers: Third-party injury and property damage caused by your business operations.

Example: Customer slips in your shop, or you damage client's property while working.

Professional Indemnity Insurance

Covers: Professional negligence, errors, and breach of duty claims.

Example: Bad advice leads to client financial loss, or project failure due to your error.

Do You Need Both?

Many businesses need both. Public liability protects against physical incidents, while professional indemnity covers your advice and services.