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I'm sorry to state the obvious but if public liability doesn't cover a scenario where the tenant is injured, what does public liability cover? It is my understanding that this is what public liability is for exactly.

I have an I.P where the agent reported something that needs to be fixed. 2 weeks later the builder still has not been around to fix it. He had a look at it and said that he is very busy and will get to it. If the tenant injures themselves, does Public liability cover it? Ive been paying the...