Public liability looks at whether you’ve caused injury or illness to be meted out to third parties due to your negligence. When you reflect on this, think about incidents linked to personal injury claims such as falls, trips and slips. Just as important, if you were to damage any client property, say a mobile device, specialist equipment or laptop, this is the cover you should be examining.
Professional indemnity protects you against accusations of professional dereliction, neglect and oversight. In practice, this means security against mishaps in submissions of work, such as reports and project carried out for clients.
Given they are quite different in the protections they offer, you must look at both covers when protecting yourself, your assets and the spaces in which you work.
