Public Liability: Protects your legal liability for accidental bodily injury to any third party. Or accidental damage to any third party property which arises from your use or ownership of musical, entertainment, sound or lighting equipment. The total amount payable includes reasonable defence costs and expenses incurred by you. The excess on this section is £250 for damage to third party property. There is no excess for third party injury.
Professional Indemnity: Ensures that your legal position is protected against any claims made against you arising from a negligent error or mistakes in the advice or services you provide to a customer or client.