Public liability insurance is a type of insurance in which the insurance company bears the liability for the insured for damages caused to others such as personal injury or death, property loss, etc. due to the negligence, fault, or improper behavior of an individual or an enterprise in a public place. Public liability insurance can protect the insured against all kinds of economic and legal risks due to accidental losses caused in public, which not only protects the interests of the insured, but also protects the safety of the public.

Public liability insurance applies to all kinds of enterprises, individuals and their practitioners, who may cause losses to others when operating or engaging in services, cultural performances, movie showings, games and competitions, sports, and public **** transportation in industrial and commercial, tourism, catering, entertainment, and cultural venues. At this time, the public liability insurance can bear the loss of disputes caused by the defects, and provide effective protection for enterprises, organizations and individuals.

The coverage of public liability insurance includes personal injury, property damage, health damage and serious accidents. The coverage for personal injury includes accidental injury to the insured in the public *** place, and personal injury to the third party due to his/her own negligence while engaging in business activities, etc.; property damage includes property loss to the third party due to the insured's mismanagement; health damage includes third party's health damage due to the food safety accidents caused by beverages or foodstuffs, etc.; and serious accidents are due to the employer's negligence resulting in the employees suffering from accidental injury or death at work due to the employer's negligence. Only with public liability insurance can you adequately protect yourself or your business against the risks of being out in public.