Why does a builder need public liability cover?

In the building trade, there are many things that could go wrong and cause damage to property or harm to people. Of course, you will do all you can to avoid these types of things from happening, but if some unforeseen incident happens you could find yourself liable for a bill that would decimate the finances of your business, or even your personal finances. Public liability cover will foot the bill if your work causes harm or damage to someone else or their property.