Insured Risks- Public Liability Insurance.
Insured Risks supplies Public Liability Insurance to businesses that want it. It is not necessary by law for all businesses to have this but it is recommended and will help you and your company should a claim be made against you. No Public Liability Insurance can mean damage to you or your company.
Your then have something slightly different which is Employees Public Liability Insurance this will cover you should any of your employees have an accident in the work place and make a claim against you. Public and Employee Liability Insurance will cover you for employment representation, employment Awards, criminal prosecution costs, protection of licenses, data protection defence and property disputes.