Typical exclusions include but is not limited to: - Injury to your own employees. - Contractual liabilities. - Damage to your own property.

Public Liability insurance indemnifies your business against: 1) All sums you are legally liable to pay for compensation in respect of: - accidental bodily injury to any person; and/or - accidental loss of or damage to property belonging to third parties within the territorial limits during the period of indemnity and happening or caused in connection with your business. 2) All costs and expenses of litigation recovered by any claimant against you in respect of a claim against you for compensation you are legally liable to pay.

No, while its not compulsory, it’s strongly recommended to protect your business from legal and financial liability if someone is injured or property is damaged due to your operations.