Combined Employer's/Public Liability Insurance
Public Liability & Employer's Liability Insurance
In the event that, during the course of your work, a member of the public were to be injured or if they were injured on your works premises and you are found liable for the accident, then you would have to furnish them with compensation, which could work out to be very expensive. That is why, in these days of increasing litigation, it is essential to have public liability insurance.
Also as an employer it is your responsibility to ensure the safety of your employees, but should they become ill or get injured through an oversight or negligence, then that too could be expensive to your business without the backing of employer's liability insurance.