Do I need public liability insurance?

[Chicseats]

I am starting a chair cover hire company and I was wondering whether I would need to get any insurance to cover me against fire. The covers will be predominantly used in hotels for weddings- which presumably already have public liability insurance. My main concern is that the covers are made from polyester and therefore flammable. Would I be liable if someone was harmed by a chair cover that caught fire?

[coco pops]

In business NEVER rely on another business having insurance which would cover your business.
Isn't the polyester treated to be flameproof? Anyway you should get your business good quality ( not rip off price) insurance cover because if any thing went wrong you could be in for a huge bill and lose everything you have worked hard for.