Public Liability Insurance is not compulsory for some industries but could in fact occur in any business on any given day.  The basis for public liability is negligence, your business could be liable if it is deemed that you have failed to take reasonable care.  This can be as simple as a client slipping tripping or falling while on your premises. If you would like to read about some of the recent examples in which businesses were deemed negligent and subsequently made a claim on their public liability insurance, please click here.