When might a public liability claim arise?
One example of when a claim could arise is as follows; One of your suppliers whilst visiting your premises trips over an electrical cable and injures themselves. Your public liability insurance policy will help you should you find yourself legally liable.
Your team are working onsite using burning equipment. The adequate fire prevention precautions are not taken and a fire breaks out causing extensive damage. It is deemed to be the responsibility of your business and as a result you are liable for the damage.
There are endless scenarios that could lead to a claim being made against you and you can never tell when one might arise. The best way of limiting the damage is to have adequate cover before the unthinkable happens.