There are many industries and professions that you can work in or with. If you are in an industry where you need to have a premises whether it a sandwich shop, a charity shop, a shop that retails items such as tools, products or food etc and be rented or bought you will need insure the premises not only for public liability but for other reasons too.
There are many providers of shop insurance and some of the coverage offered by the insurance companies may include things like, fire, theft, vandalism. Burst pipes and other major issued that can cause damage. You could be covered for new contents of the shop such as fixtures and fittings and equipment that is in your shop.
Some providers offer cover for business interruption where you will be covered under the policy for your normal business being interrupted because of an incident such as firs or water damage you should also consider some form of Critical Illness Insurance.