liability insurance wiki
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Help with insurance – public liability and employers liability?
I am working on an assigment for Indian Head Massage and I have no clue what insurance, public and employers liablity means or what it involves.
Please could someone explain (don’t copy/paste straight from wiki as this will not help me!!) simply what this means please?
I have been searching the internet for ages now and I do not understand at all 
Thanks.
Unlike employers liability insurance which is a required cover by law if you employ any staff, public liability insurance is not compulsory but is usually considered a key cover for companies looking to protect themselves against unexpected claims that can put the future of the business at risk. Public liability insurance should be taken out by any business that deals directly with the public or works away from home at other premises.
Employers liability insurance enables businesses to meet the costs of compensation and legal fees. Employees injured due to an employer’s negligence can still seek compensation even if the business has ceased to trade. Even if you use self-employed staff, unpaid employees or volunteers you may still need employers liability insurance. Always check with your broker or insurer when you take on new staff whatever the criteria