What is Public liability vs Employers' liability?

Public Liability and Employers' Liability are two separate insurance products often sold together. Public Liability covers injury or property damage to third parties (customers, members of the public) and is contractual rather than statutory. Employers' Liability covers injury or illness suffered by employees in the course of their work and is legally compulsory for almost every UK business with staff — minimum £5 million cover, with the certificate displayed at the workplace.