I want to ask the hotel to buy public liability insurance. An employee sprained his foot when he walked out of the gate stairs after work. Is this included in public liability insurance?

One of the insurance responsibilities: during the insurance period, the insured legally engages in production, business and other activities within the location specified in the insurance policy, causing personal injury or property loss to a third party.

Exemption: Liability for personal injury or death of the insured or his representative or employee.

In other words, the insurance company is not responsible for the injuries caused by accidents when employees work normally in the hotel, unless the hotel has purchased personal protection for each employee.