With the need to be insured in business, I thought I would share this article about How Public Liability Insurance Differs from General Liability Insurance.  

PLI policies represent a minimum amount of liability coverage, covering the liabilities against public claims of injury, negligence, and accidents. As such, these policies tend to be relatively economical…  

GLI, in contrast, is more comprehensive in that such a policy protects against losses incurred by the public as well as vendors, employees, and even the business owner(s).  

This can cost between $300 – $600, the median annual cost of general liability insurance is $500 (about $40 per month). Hiscox indicates about $30/mo. Of course, you should always do your own research.