While it is not a legal requirement to have Public Liability cover, most businesses are expected to have a minimum cover of £2m. Companies operating without it may find it more difficult to do business. - Simply Business
Industry and commerce are based on a range of processes and activities that have the potential to affect third parties (members of the public, visitors, trespassers, sub-contractors, etc. who may be physically injured or whose property may be damaged or both). It varies from state to state as to whether either or both employer's liability insurance and public liability insurance have been made compulsory by law. Regardless of compulsion...... - Wikipedia
