What type of coverage may exclude injuries to a person's own employees?

Public liability insurance is designed to protect businesses from claims made by third parties for injuries or damages that occur as a result of the business’s operations. This type of coverage focuses on incidents involving members of the public or other external parties who are injured on the business premises or as a result of the business activities. Therefore, it typically does not cover injuries sustained by the business's own employees, as those injuries fall under the realm of employers' liability insurance.

Employers' liability insurance specifically covers claims made by employees who are injured or become ill due to their employment. This means that if an employee is injured while working, this insurance would respond to that claim rather than public liability insurance.

Professional indemnity insurance focuses on protecting professionals against claims of negligence or errors in the delivery of their services, which is unrelated to employee injuries. Similarly, product liability insurance addresses claims relating to injuries or damages caused by a product sold or supplied by the business, again not covering employees’ injuries.

This distinction highlights why public liability insurance is the appropriate answer to the question regarding exclusion of injuries to a person's own employees, as it specifically pertains to third-party claims rather than those arising in the employer-employee relationship.