Originally posted by lilou
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The reason you need public liability insurance is that some sites - including government ones - have more than one company's workers on them. This includes areas like lobbies, stairs and lifts. So if you accidentally poor coffee over someone, trip someone up, etc then your insurance will pay out.
Also the government at all levels mostly self-insures and their lawyers can be very litigious. This means they will chase you for money however if you have an insurer who has happy to either fight them or pay up you will be left alone.
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