Public liability insurance covers you when you are being held responsible to a person or property, as the owner or occupier of your home. For example, our buildings insurance covers you as the owner of the home for claims such as a tile falling off of your roof and injuring a visitor.
Our contents insurance covers you and your family as the occupiers of the property and would cover for things like a visitor tripping up over a loose rug. Under contents insurance we also cover you for personal liability for claims such as you accidentally poking someone in the eye with your umbrella.
For full terms and exclusions please refer to your document of insurance.