If you are in business, then you will need Public Liability Insurance

Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.

i.e. Architects, Web Developers, Cooks, Gardiners, window washers, IT ,  rubbish removalist, tradesmen, (all type including brick layers, electricians, plumbers, carpenters, landscapers, Painters etc ), Consultants, , Truck Drivers, Limo Drivers/Professional Drivers, Pest Controllers, Couriers, Event Organisers, Film Productions, strippers, hookers, school bus drivers, cleaners, – and all Sub-Contractors (Plus More)

Public Liability claims can be incredibly costly, and even if you are not at fault, you may still incur considerable legal costs while defending yourself.