Public liability insurance covers business risks related to third-party injuries or property damage.

• Slips and falls: A customer slips and falls in your shop due to a wet floor.
• Product liability: A product you sell causes injury to a customer.
• Defamation: Your business is accused of defaming someone.
• Property damage: Your business activities accidentally damage neighboring property.
• Nuisance: Your business creates excessive noise or pollution that affects nearby properties.

Example Scenario: A restaurant has encroached on the public sidewalk as a customer seating area. If a pedestrian trips over and gets injured due to such encroachment, the restaurant is liable for damages, which can be compensated under public liability. 

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