While public liability insurance is not legally compulsory for every commercial entity by direct statute, it is practically mandatory for a wide range of professionals. Tradespeople (builders, electricians, plumbers), contractors, cleaning services, event organizers, and retail shop owners must carry it to satisfy commercial lease requirements, principal builder contracts, or professional association memberships. Operating without it exposes business owners to catastrophic personal financial liability if they accidentally cause third-party property damage or bodily injury.
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