You're more than welcome! That's correct :) It's unusual to have employers' liability without public liability, however, as the EL essentially extends your PL cover (damage to property/public etc) onto your employees. It would also mean that you as an individual wouldn't be covered for any damage or ...

Hi Suvalike, As some have said, if you have employees in your business then you'll need employers' liability by law. Public liability will cover you for injuries you cause to members of the public and any damage to their property. Professional indemnity meanwhile, covers for the advice/knowledge ...