Public Liability or Third Party Insurance covers anyone who is in (or near) your home or business and suffers accidental bodily injury or death, or damage to their property. Examples include a client suing after he slips and falls while touring your factory or a bystander is injured by falling debris during renovations. Coverage can also include protection from claims by trespassers.
Personal Liability Insurance covers the insured from legal expenses and claims for compensation should the insured accidentally injure others or damage their property. A policy can be tailored to cover the liability of both individuals and their family members.