For which type of establishment is public liability insurance compulsory by statute?

Public liability insurance is a crucial form of coverage for businesses that interact with the public, as it protects against claims made by third parties for injuries or damages occurring on the premises. In the context of establishments, public liability insurance becomes mandatory for certain sectors to ensure adequate protection for both the business and its patrons.

In this scenario, a horse riding school is often required to have public liability insurance by law. This is primarily due to the inherent risks associated with activities involving horses, which can lead to accidents or injuries for students or visitors. These risks make it imperative for such establishments to have appropriate insurance coverage to safeguard against potential litigation or claims arising from incidents.

Other options, while they may have strong recommendations or industry standards for public liability insurance, do not share the same statutory requirement as a horse riding school. This is because the level of risk and interaction with the public varies between these types of establishments, influencing whether insurance coverage is mandated by law.