Who Needs Public Liability Insurance?

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I’m trying to understand which businesses should consider Public Liability Insurance. It seems particularly relevant to companies that interact directly with customers, clients, visitors, contractors, or other members of the public. Businesses operating from commercial premises, working at customer locations, or organizing public events may face greater exposure to third-party injury or property damage claims. Requirements can also vary depending on the country, industry, contracts, and activities involved. For businesses operating in India, there are also specific legal requirements under the Public Liability Insurance Act for certain hazardous-substance activities. What type of business do you think benefits most from this coverage?