Products Liability might not apply to your business if you are not selling, manufacturing or designing goods for sale. But if you are, claims for injury as a result of what could be perceived to be faulty or defective goods bought from you would again be costly. Often Products Liability is provided along with Public Liability for no additional cost.
Products Liability covers you in the event of a visitor - professional or member of the public suffers a loss or injury directly as a result of your business activities. The insurance will cover you for any compensation payments and legal costs awarded against you.