As a freelancer you have a duty to protect anyone who might be affected by your professional activities, whether you are on your own premises or at a client’s site.
Public liability insurance provides cover if someone is injured or third party property is damaged as a result of your actions whilst supplying services. It also covers legal fees that may arise as a consequence of any claims you have to defend.
Having public liability insurance allows you to go about your work safe in the knowledge that you are covered should you cause any accidental damage or injury.
Even if your contract doesn’t stipulate that having public liability is a requirement, it’s still a very good idea to make sure you hold insurance as you could still be sued.
You leave a bag in a hallway which causes someone to trip and hurt their arm. Your policy covers legal defense costs and compensation paid to the injured party.