This is a comprehensive insurance that protects the organisation and its employees in cases of emergency or unexpected events, whether caused externally or as a result of employee/volunteer activity. All organisations should have some form of Public Liability Insurance. Any organisation can potentially damage people or property. Organisations can be held responsible for injuries or damage caused to their surroundings or to other people. It is therefore strongly recommended that the organisation is protected against unforeseen incidents as part of the Risk Management Strategy.