who needs public liability insurance?
You should consider getting public liability cover if you or your employees are required to enter the premises of a customer, for example: plumbers, electricians, gardeners, plasterers, tilers, carpenters & joiners, painters & decorators etc.
You are also covered if you conduct your work in any public spaces, for example if you are a gardener who has been contracted to work at a public park, or if you are a builder working at height close to a public footpath and some construction materials fall onto the street, possibly causing injury or damage to a member of the public.