Public Liability Insurance - BJP Insurance Brokers

What is Public Liability Insurance?

Public Liability Insurance covers any awards given to a member of the public due to an injury or damage to their property caused by yourself or your business. It also covers any related legal fees, costs and expenses. Without public liability insurance you are liable for to pay the full amount of the claim. If you unable to pay the claim, you risk losing your business, home and any assets that you have.

In 2002 there was £ 3.5 billion paid out in compensation for public liability claims. This increased to over £ 5 billion in 2003. No business should be without public liability insurance. A lack of public liability insurance puts thousands of businesses at risk every year.

Who should have Public Liability Insurance?

Public Liability Insurance is essential for any business, in fact for some businesses (for example a horse riding business) it is a legal requirement. Additionally some of your customers and potential customers may require that you have public liability insurance before they allow you to work for them.

How much does Public Liability insurance cost?

The cost of public liability insurance is relatively low but it varies from business to business depending on the number of employees, turnover, the activities of your business etc.

How can a Public Liability Claim Arise?

An example of how a public liability claim could arise is if a member of the public slips on a spillage in a shop and there were no clear warning signs for the spillage. The member of public could quite easily sue the shop owner for damages.

Public Liability Insurance

BJP Insurance Brokers is able to offer public liability insurance for a wide range of occupations. We have access to a wide range of insurance markets and specialist schemes that can ensure we provide a competitve quote for your public liability insurance.

BJP are an Independent business insurance and commercial insurance broker. We specialise in obtaining public liability insurance quotes from a wide range of different insurers to ensure that we get the best possible business insurance cover at the best price.

To obtain a quote or to seek advice from one of our insurance advisers about public liability insurance please complete the enquiry form and we'll be glad to assist you. An adviser will contact you within a working day to discuss your requirements.

Public Liability Insurance Links

British Insurance Brokers' Association

Business Link Guide to PL Insurance

BBC Article on PL Insurance

FSA Insurance Team