For example, a customer visits your premises and slips over because of water on the floor and suffers serious back injuries. If the customer can prove that you were negligent in not mopping the floor, then you have failed in your duty of care and will be liable for damages. Getting the right level of public liability insurance is important, If you perform services or work for larger firms, Government, your contract with them may specify the minimum limit you need to have in place. Increasing to a higher limit – for example, €6.5 million is usually straightforward, depending on the nature of your business.