Public liability insurance covers the liability risks of an industrial, commercial or agricultural business that may arise from the activities of the business. The insurance not only covers the statutory → Liability of the business owner, but also the → Liability of company employees during their operational activities. The insurance protects the company against third-party claims for damages. Firstly, it checks whether and to what extent there is an obligation to pay compensation. If the claim is justified, it generally covers the costs of personal injury, property damage and the resulting financial losses. If the claim is not justified, it will defend against it - in court if necessary.