Public liability insurance covers specified liability for accidental injury to members of the public or damage to their property arising from insured business activities. It generally differs from employee injury and professional advice cover. The business description, premises, territory, and exclusions shape protection.
A hotel or shop in Nepal might face a claim after a customer is injured on its premises. The insurer would assess legal responsibility and policy terms rather than pay automatically because an accident occurred. Check the limit, defence costs, and whether off-site activities are included.