Public liability claims can be made as a result of an accident at your business premises or outside of this space - perhaps when you are on a sales visit or working on a construction site, for instance. Some customers or clients may also require you to present proof of public liability insurance before they work with you. - See more at: http://www.directlineforbusiness.co.uk/knowledge-centre/understanding-business-insurance/public-liability-insurance#sthash.4hSCiK7I.dpuf