What is the difference between property owners liability insurance and public liability insurance?

Property Owners Liability Insurance:

• Provides protection for property owners against claims made by third parties for bodily injury or property damage that occurs on their property.
• Covers legal fees, medical expenses, and other costs associated with a liability claim.
• Typically included in a property insurance policy, but can also be purchased as a standalone policy.

Public Liability Insurance:

• Provides protection for businesses and organizations against claims made by third parties for bodily injury or property damage that occurs as a result of their business operations.
• Covers legal fees, medical expenses, and other costs associated with a liability claim.
• Typically purchased as a standalone policy, but can also be included in a general liability insurance policy.

While both types of insurance provide coverage for liability claims, they differ in terms of who they are designed to protect and the types of risks they cover. Property owners liability insurance is designed to protect property owners against claims made by third parties who are injured on their property, while public liability insurance is designed to protect businesses and organizations against claims made by third parties who are injured as a result of their business operations. It's important for property owners and businesses to carefully consider their liability risks and choose the type of insurance that best meets their needs.