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Public Liability Insurance or 3rd party insurance is a form of liability insurance which protects you as a tradesmen if you were to damage the property of a 3rd party (such as a client) or cause injury to a member of the public. Public Liability Insurance prices are located on the kind of work you carry out and the number of people needing to be insured. Employers Liability Insurance is bought as an additional insurance cover to a public liability insurance policy and is required by law by under the Employers Liability Compulsory Insurance Act by any UK business.