What does Public Liability insurance cover and what indemnity level is right?
A. If a member of the public is injured or their property damaged by you or your business, you could be legally liable and risk being sued. Public liability insurance covers the costs of compensation or damages and also covers the legal fees, costs and expenses you may face when dealing with a claim. Indemnity levels range from £1 million to £10 million, however £2 million is usual for the majority of firms. Back to Top Q.