Public Liability (PL)

In the course of your professional duty, whether it be a manual or clerical role, there is almost always a possibility of causing injury or damage a 3^rd party or their property.

The exposure to this risk varies with the type of work undertaken and location that it is performed at.  For example, a company accountant visiting a local client for a tax audit presents a lower risk than a plumber visiting the same client purely buy the nature of the service they provide.