Whether you are covered depends on the policies you have, the exact wording and the circumstances of the incident. Public liability may cover claims for injury or property damage involving third parties, while employers’ liability, professional indemnity, property and business interruption cover different risks. Exclusions, excesses, policy limits and whether you followed any conditions can affect a claim, so check your schedule and wording rather than relying on the policy name alone. If you are unsure, contact your FCA-authorised insurer or broker promptly and report potential claims within the stated timescale.