Product Liability Insurance covers your business for the harm that your products might do to members of the public. You can still be liable for injury to the public from a product, even if you are a wholesaler and not the producer. If your company is any part of the distribution chain then you have some duty of care for the quality of the product. All that varies is the extent of this liability.
When taking out Public and Product Liability insurance, you need to tell us what type of business you operate. This is not just for the sake of records, but will help us advise you on the type of policy best suited to you - whether your insurer judges cover up to £1 million to be sufficient for your needs or if a larger policy of around £5 million would be more appropriate in the circumstances. If you work in the public sector, for example, you will often be required to take out a minimum of £5 million. Top up insurances are available for those who generally carry a lower limit.
Don't assume you will be safe without public liability insurance just because you run a small business, or because you don't make deliveries. Something as simple as a coffee spill over a client's computer, or a loose nail causing a customer to trip while visiting your office, could cost you thousands if you're uninsured.