Public liability insurance - covers your legal liability to pay damages to members of the public for death, bodily injury or damage to their property that occurs as a result of your business activities.

It also covers legal fees, costs and expenses such as representation at any coroner's inquest, fatal accident enquiry or other court hearing because of an accident.

Products liability insurance - If you make, alter, repair or sell products, you could be held legally liable for damage or injury arising from defects in their design or manufacture. Products liability insurance covers these circumstances up to a maximum amount each year.