What is the difference between legal liability and public liability insurance?

What is difference between legal liability and public liability insurance in Australia is that legal liability is broad term covering all liability including public, product and professional, while public liability is specific type covering injury to third parties and damage to their property in public, with both covering $5M to $20M. Legal liability insurance is general term for any legal liability you have to others, including public liability, product liability and professional indemnity, covering compensation $100K to $500K and legal costs $50K if you are legally liable for injury or damage, included in home building $20M legal liability and contents $20M personal liability $300 to $600 per year. Public liability is specific subset of legal liability covering injury to third parties and damage to their property in public or on your premises, such as customer slips in shop, visitor falls on vacant land, or tenant injured due to faulty stairs, with claims $100K to $500K, costing $300 to $800 per year for small business and $200 to $500 for vacant land for $10M to $20M cover. So legal liability broad including public, product and professional, public liability specific for public and premises, with public liability included in legal liability. For example, home contents $20M legal liability includes public liability for injury to visitor $100K and property damage to neighbour $20K leak. So difference is legal liability broad term, public liability specific type for public and premises, with both covering $20M and costing $200 to $800 per year, with public liability being part of legal liability.