Professional Indemnity (PI) and Public Liability (PL) are both important insurance covers, but they protect you in different ways.

Professional Indemnity Insurance covers claims that arise from the advice or services you provide, like an error in a report, a design flaw, or a breach of professional duty. This cover is essential for consultants, designers, engineers, and anyone offering professional expertise. 

Public Liability Insurance, on the other hand, covers injury or property damage caused by your business activities, like someone tripping over something in your office or damage caused to a client’s property during a site visit. 

In many cases, professionals will need both types of cover. Professional Indemnity protects your work, while Public Liability protects your day-to-day operations and activities.