Public and products liability insurance is vital for anyone in retail. Have you thought about the chance of someone tripping over in your store, or having merchandise fall on a child? How about if your product was taken home and cause an injury to a family member of one of your customers? These are not risks anyone should take without involving an insurance company who knows your industry inside out. A good Public Liability policy will cover your legal and defense costs, as well as any compensation that might be payable.