Public liability insurance for self-employed workers covers you if a member of the public is injured, or their property is damaged, because of your business activities.
For example, if a delivery person trips over a loose piece of carpet at your home and suffers an injury, or if you accidentally spill coffee on a client's laptop, public liability will cover the legal and compensation costs you are required to pay.
Product liability covers you if a customer or member of the public becomes ill or suffers an injury because of a product you have supplied. For example, if an appliance you have sold overheats and causes a fire in a customer's home, we will cover the costs you are liable for.