Public liability insurance is a business insurance policy that can cover claims made by members of the public for accidental injury or damage to their property linked to a business's activities. Depending on the policy wording, it may pay compensation and associated legal costs, up to the chosen limit of cover. It is commonly considered by tradespeople, retailers, contractors, event organisers and other businesses that work with customers, visitors or members of the public. Businesses in this category include insurers and insurance intermediaries that explain cover, assess a business's needs and arrange or administer policies. Policies can differ in their limits, excesses, exclusions and conditions, and may cover incidents at a business premises, at a customer's site or during an event. Some policies offer related covers, such as products liability, but this may be included or arranged separately.