my point was your statement was misleading. It wasn't clear what country we are talking about, this being an international forum and the OP didn't mention which country they were in. But, in no country that I am aware of is there a *requirement* to have Public Liability. Best practice - sure. Requirement, no.
As for employees liability in the UK, its only a legal requirement if you have at least one employee . If you are self employed/sole trader and employ only close family members you don't need it. If youa re a ltd co then you always need it.