Our block of flats has public liability insurance, but the guy we employ to clean also has to have his own.
http://www.publicliabilityinsurance.org/what-is#type"Do I Need Public Liability Coverage?
The necessity and legal obligations for businesses to have a public liability policy can differ dependant upon your individual circumstances and the sector in which you operate.
If you are self employed trader, providing products or services to either other businesses or the public,
you are not obliged by law to have the insurance. You are, however, advised to give the matter serious consideration, as your business would be liable to cover the full costs of any claims successfully brought against you. In the cases of many self employed people, the business is often you personally."
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