Which type of liability coverage protects individuals and venues from property damage or personal injury to the public?

• A. Product Liability Insurance
• B. Public Liability Insurance
• C. Employer Liability Insurance
• D. Commercial General Liability Insurance

Answer: (B)

Public Liability Insurance is designed specifically to cover claims made by members of the public for injuries or property damage that occur on the insured's premises or as a result of the insured's operations. This type of insurance is crucial for individuals and businesses that interact with the public, as it safeguards them against potential lawsuits stemming from accidents or incidents that could lead to financial liabilities.

In the context of venues, public liability insurance helps protect against claims such as a visitor slipping and falling on the property or damage caused by an event hosted at the venue. By having this coverage, individuals and businesses can operate with greater peace of mind, knowing that they are financially protected from the costs associated with legal claims made by the public for personal injuries or property damage.

While other types of liability insurance mentioned serve specific purposes—such as product liability insurance focusing on damages from defective products, employer liability insurance protecting businesses from employee-related claims, and commercial general liability insurance offering broader coverage for various risks—public liability insurance specifically targets the needs related to interactions with the general public. Thus, it is the most appropriate choice for protecting individuals and venues in situations involving potential public claims.