Public liability insurance is a policy designed to protect your business against claims. For instance, you or your staff could damage someone else’s property. This policy can protect you against the legal costs or compensation that you may need to pay.
Any business can take out this insurance regardless of type or size. For example sole traders, self employed or freelance.
You do not legally need to take this policy out. However, if your business interacts with the public it will be of benefit to you.