Public Liability Insurance - BJP Insurance Brokers

What is Public Liability Insurance?

Public Liability Insurance protects the insured party/business/person in relation to their legal liability at Law to Third Parties for bodily injury and/or loss or damage to Third Party property. For the incident to attach, it must take place during the period of the insurance. It also covers any related legal fees, costs and expenses.

In 2002, £3.5 billion was paid out in compensation for public liability claims. This increased to over £5 billion in 2003. No business should be without public liability insurance.

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. Some of your customers and clients may require you to have Public Liability Insurance as a premise to working with 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

• number of employees
• turnover
• activities of your business
• previous claims, whether insured or not

How can a Public Liability Insurance Claim Arise?

An example of how a Public Liability Insurance claim could arise is if precautions are not taken to prevent fire where using burning equipment. A subsequent fire and resultant damage deemed to have been caused by that burning equipment will be the responsibility of the insured.

Public Liability Insurance

BJP Insurance Brokers is a specialist in Liability Insurance. We are able to offer Insurance for almost every occupation. We have access to a wide range of insurance markets and specialist schemes that can ensure we provide a competitive quote for your Public Liability Insurance.

Product Liability Insurance

Most Public Liability Insurance cover can be extended to include Products Liability Insurance. We can also offer stand alone cover for Products Liability and Product Recall. Please see our Products Liability page for further details.

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. Alternatively call our Office on 0118 979 2121.