Public-liability insurance is an insurance which provides the coverage for claims brought against the insured by a third party. Any damage or injury to property, health or life as a result of the use of dangerous objects or work by them, then you can have public-liability insurance for all of them. This type of insurance is standard and necessary to businesses, which have the contact with general public. It also covers the third party property, while doing business.
Generally employers have certain responsibilities about their employees’ health and safety because they work for them. Employer liability insurance covers the cost of the compensation claims and legal fees and other expenses as well. Employees may try for compensation from employers, as they are responsible parties, if they experience injuries, illness or complaints while working either on or off site.
Public-liability insurance does cover the employees but it covers business against action from members of the public, businesses.
Where as employer’s liability insurance covers the claims which are made by the employees against the company.
There are some trades and professions which would benefit from taking out a combined public and employer’s liability insurance policies, such as: Builders, Cleaners, Plumbers, Landscape Gardeners, Electricians, Joiners, Aerial erectors, Steel erectors, Roofing, Hairdressers, Mechanics, Motor Trade, Garages, IT consultants, Corner shops, Fast food outlets, restaurants, Hotels, Tradesmen, cafes, etc.
Thus the above information is about difference between public liability insurance and employer’s liability insurance. Ultimately these two insurances are two separate and different policies.