If you run a business, you should seriously consider a policy to cover you in case someone injures themselves on your work premises. Public liability insurance is also there to cover you for when you are out on a work-related call and cause damage to someone else’s office.

Consider the example of you going to a meeting and knocking a cup of coffee over… and it pouring down into an expensive piece of equipment. If you had gone there without any cover then you could easily find yourself having to payout thousands of pounds to replace or repair that equipment.

Journalists working on a self-employed basis should also make sure they are covered for legal reasons. Imagine a reporter is freelancing for a newspaper and writes an article which is found to be libellous. The newspaper, the editor, and the reporter could all find themselves facing hefty fines in court. The newspaper could also sue the reporter for damages. Therefore, it is a good idea to take out a policy to cover you in such circumstances.