What does it mean when cleaner says she is 'insured'?

[northlondonchoclover]

Looking to hire a cleaner and wondering whether anyone knew what the above meant

[pinkmagic1]

That she has public liability insurance. For instance if she happens to spill a bottle of bleach over your carpet her insurance will pay.

[going]

Against breakages i expect.

[northlondonchoclover]

Ah,I see. thank you ladies.