What is the different between Public Liability and Employers’ Liability insurance?

What does PL cover:

Public liability insurance covers the expenses if someone outside of your business, such as a customer or a member of the public, gets injured or their property is damaged due to your business activities. It helps cover legal costs, medical bills, and compensation if they file a claim against you. This insurance is crucial for safeguarding your business from unforeseen accidents or incidents that could result in financial losses or legal disputes.

What does EL cover:

Employers’ liability insurance covers the costs if one of your employees gets injured or becomes ill because of their work. It helps cover medical expenses, lost wages, and legal fees if the employee files a claim against you. This insurance is vital for protecting your business from financial strain due to workplace accidents or illnesses and ensuring that your employees receive the support they need in case of work-related injuries or health issues.