For each and every business, there is a need of public liability insurance for both employers as well as employees; because they are useful for both of them.
Suppose, if we take the construction business, lot of insurances are to be taken, for safeguarding the business. If we consider the business, the insurance is needed and the policy should cover the risks of the employees. If in the cases, where the employee met with an accident then the employer insurance is used.
In accidents involving customers and employees, the employers and public liability insurance will cover these accidents.
Every business should be covered by the employers and the public liability insurance because anything may make you liable. Even in some cases apart from covering the costs for treatment of the injuries the legal costs are also been paid for a law suit. Sometimes, the amount of the suit may lead to paying large amounts like hundreds and thousands dollars.
Some people think that for small business there is no need of Employers and public liability Insurance. But even these small business need both Employers and public liability Insurance.
In some cases, the court may even ask for negligence, for paying the legal costs etc. One may need not worry about this situation if they have employers and public liability Insurance.
So, while choosing the insurance company one must be careful. They should select the right insurance and the right cover for the insurance. Choose the company which will pay up on time. Complete information about the business, number of employees and level of cover you need, past history about the insurance are also to be kept in mind.