Small business public liability insurance can cover claims from members of the public who are injured or whose property is damaged because of your business activities, subject to the policy terms and limits. It may also help with related legal costs, although the insurer will assess each claim under the wording. It is not generally a legal requirement in the UK, but a client, landlord or trade body may require it. It usually does not cover employee injuries, professional advice or your own property, so check the exclusions with an FCA-authorised provider or broker.