Normal Public Liability Insurance is a policy that protects businesses and individuals from financial loss due to claims of bodily injury or property damage caused to third parties. This insurance covers legal costs and compensation payouts if someone is injured or their property is damaged as a result of the insured party’s activities or negligence. It is essential for businesses that interact with the public, as it ensures they are financially protected against potential lawsuits and claims. For example, a shop owner would be covered if a customer slips and falls on their premises. It typically does not cover employee injuries or damage to the insured’s own property, and coverage specifics can vary based on the insurer and policy terms.