Why does a charity need Public Liability cover?
If your charity or organisation comes into contact with the public* you should consider buying Public Liability insurance. This cover protects your organisation against claims which could be made against you for accidental damage to third party property and compensation for accidental injury to third parties, where you may be at fault.
If injury or damage does occur, and your organisation is thought responsible, a claim could be made against you. If the claim is successful, you would be liable for paying compensation unless you are insured.
Public Liability does not provide compensation for your employees if they are injured at work. You must have Employer's Liability (a legal requirement) to provide this.
(*members, volunteers, non-members and other organisations)