When you are in a position where you need to get insurance cover for the work you do, it is important to consider the risks that could affect you in your line of work and work out what type of cover and how much of it you will need based on the most appropriate protection available to meet your requirements. There are two types of insurance cover that people often get mixed up and often get confused about. These are Public Liability and Professional Indemnity. Although both of these types of insurance protect you and your business, they are actually designed to offer different forms of protection under different circumstances.
One of the key differences between them is around the type of the work that you carry out. If a third party suffers injury or damage to their property as a direct result of any physical work you undertake then Public Liability would protect you, whereas Professional Indemnity would protect you for third party injury or damage if the risk is linked to your professional duty when providing design, advice or a service for a fe