What does Australian public liability insurance cover?

What Australian public liability insurance covers is protection for businesses, contractors, sportspeople and event organisers against claims from third parties for personal injury or property damage caused by your business activities or products, with cover $5M to $20M. For example, if you are artist and visitor trips over your sculpture at exhibition and breaks leg, public liability covers legal defence and compensation $20K to $200K. For golfer, if your golf ball hits person or breaks window, public liability covers damage. For business like café, if customer slips on wet floor, it covers medical and legal costs. It covers bodily injury to third party, property damage to third party, legal defence costs, and product liability if your product injures someone, like ceramics or food. It covers incidents on your premises, at client premises, at markets and events, and while working. It does not cover injury to yourself or employees, that is workers compensation, nor professional advice errors, that is professional indemnity, nor property damage to your own property. For golf insurance, public liability covers golf ball damage. For artists, it covers exhibition and market stall risks. Most councils and venues require $10M to $20M public liability certificate before allowing you to operate. Cost is $300 to $800 per year for small business $10M to $20M, tax-deductible, and essential because one claim can be $50K to $500K.