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Public liability insurance may help protect businesses from claims made against them by employees members, customers or other members of the public if they cannot work because of an incident or injury that occurs while working on company property. This can include not being able transporting themselves to and from the workplace, going to training or meetings outside of regular business hours, and paying for treatment costs. If a worker has been injured while working for your company. If that happens, public liability insurance could be used to pay for temporary labor if it is required until they can return to work. The policy can also cover compensation for income loss, and also the expense of healthcare expenses. It will cover any damages to equipment or property due to the negligence of a third party. It could include the replacement of broken office furniture, replacing any production machinery damaged in an accident, as well as replacing stolen office equipment like printers, computers, and phones: you can quickly file a claim for fire insurance claim as per this policy. Workers Compensation Insurance An idea to guide you to determine what type of insurance needed to protect your small-scale business is to determine if you control their work. Let's say your worker is in a supervisory or managerial position, and has some influence over his daily actions. In this case, you will be held liable if you are injured during the course of your work. As an example, if the local store's manager gets into accidents while on business premises, you could be legally accountable. If your worker does not have a management position and the responsibilities of their position are clearly set out by you, they will be considered working during the normal course of work. In which case, the compensation claim is m .