Who Needs Public Liability Insurance?

[Yusra]

Public liability insurance is a type of insurance that covers you if you're sued for damages in a civil lawsuit. If you're sued, the plaintiff can file a claim against you to cover their expenses, including legal fees and damages.

A public official is someone who works for the city, state, or federal government. Public officials may have the power to act on behalf of the public and represent their interests. for example, a police officer working for the city who makes traffic stops during his shift. In some cases, public officials must follow certain ethical standards in order to remain in office.

If you're an employee of a public agency and your duties involve making decisions about people's lives (like making traffic stops), then you could be considered a public official.

If you work for a private organization that offers services to clients or citizens in your community like a doctor's office or hospital. you may also need public liability coverage.

 

[moonchild]

Public liability insurance can help you to alleviate a lot of heavy spending that might be necessary when things go wrong, public liability insurance can provide financial protection in the event that you are held legally responsible for causing injury to someone or damaging their property while conducting your business. It can help to cover the costs of legal defense and any settlement or judgment that may be awarded against you, which can be a significant financial burden if you do not have insurance.

Public liability insurance can help you by covering the costs of legal defense and any settlement or judgment that may be awarded against you. It can also help you to protect your business and personal assets in the event of a lawsuit, for example If a customer trips and falls in your store and suffers an injury, public liability insurance can cover the costs of any legal action that may be taken against you.