Public liability and professional indemnity insurance are distinct types of coverage.

• Public Liability: Covers claims from third parties (customers, visitors) for bodily injury or property damage caused by your business activities.
• Professional indemnity: Covers claims from clients or customers for professional negligence or errors in your services.
• Focus: Public liability covers physical harm or property damage, while professional indemnity covers financial loss due to professional mistakes.
• Who it protects: Public liability protects your business from claims by the public. In contrast, professional indemnity protects you from claims by clients.
• Example: A customer has an accident in your store due to faulty ceiling lights (public liability). A consultant gives incorrect advice, leading to a client's financial loss (professional indemnity).

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