As a business, it’s your duty to look after your employees and customers while they’re on your premises. But accidents do happen – for example, you could run a manufacturing plant with dangerous machinery that could accidentally harm the people who operate them.
For these kinds of situations, public liability insurance covers you and/or your business against any accidental bodily injury or illness that happens on business premises, or if there’s an accidental loss or damage to a third party’s property on your premises.
This insurance covers your business whether the party involved passes away or not, and it also pays out for damages, legal costs and any other expenses that may be involved should there be a claim.