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Complete Liability Insurance

Tick Tailored public, employers & product liability insurance policies

Local People Speak to the local experts
Kevan Haughton
Julia Alberto
Daniel Fay
Kelly Naisbitt
Ryan Hinegan
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We're rated 4.9 stars on Google

Public liability insurance reviews

"Used B&M insurers for 10 years, excellent friendly helpful and efficient service, I would highly recommend." David F

Low premiums via leading insurers

Lowest premiums from leading UK insurers

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Liability Insurance Cover

Black Squares

Tailored liability insurance cover for your specific business needs. Cover up to £10 million for complete peace of mind.

Public Liability Insurance

What is public liability insurance?

Public liability insurance, also known as PL insurance, protects your business from compensation claims as a result of injury to members of the public or their property following an accident caused by your business.

Do you need public liability insurance?

Public liability insurance is not a legal requirement but it is vital to have adequate protection in place if you work with clients or suppliers who could sue you for damages following injury or damage to their assets.

Employers Liability Insurance

What is employers liability insurance?

Employers liability insurance, also known as EL insurance, protects your business against financial claims from employees who may seek damages against your business for illness or personal injury while working for you.

Do you need employers liability insurance?

It is a legal requirement to have employers liability insurance if you employ staff. Minimum cover must be £5 million and underwritten by an FCA approved insurer. Fines of £2,500 per day may apply if the required cover is not in place for your business.

Product Liability Insurance

What is product liability insurance?

Product liability insurance covers your business against injury claims or property damage caused by products you have made or sold. Even if you didn’t make the product but sold it, if it causes harm then you may be liable for any costs.

Do you need product liability insurance?

Product liability insurance is not required by law but it is recommended if you sell or make products for consumers. Protect your business against the financial strain of a substantial claim if the unforeseen does happen.

Personal Liability Insurance

What is personal liability insurance?

Personal liability insurance covers you financially against third party injury and property damage claims deemed to be your fault. The commercial equivalent of this cover is public liability insurance which protects your business.

Do you need personal liability insurance?

Personal liability insurance is not required by law. You may want to take out this type of insurance cover if you want to protect yourself against compensation claims made by other people.

We are able to provide a wide range of commercial liability insurance quotes for various types of businesses and trades. Please contact us for more information

How can an independent broker help you?

Blue Shield

28 years experience protecting local business

Blue Speech Bubble

Impartial advice from complete market analysis

Blue User

Face-to-face relationships or help over the phone

White Scales

Competitive premiums from a panel of insurers

Complete Combined Liability Insurance

Single liability products or combined liability insurance on a single policy

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Public liability insurance

Big Tick

Employers liability insurance

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Product liability insurance

High levels of cover as standard* Graph

Item of cover: Level of cover:
Employers liability £10,000,000
Public liability £5,000,000
Product liability £5,000,000
Corporate manslaughter costs £1,000,000
Health & safety prosecution costs £1,000,000
Accident financial loss £25,000

* Based on business liability insurance cover from Victor Insurance (we can also offer levels of cover from £1m).

Shield your business against financial risk

Padlock Public liability, employers liability & product liability covers:

  • Tick Personal injury claims
  • Tick Accident compensation
  • Tick Damage to buildings
  • Tick Defective product claims
  • Tick Content wreckage
  • Tick Employee sickness
  • Tick Legal fees & damages
  • Tick Court judgements
  • Tick Financial loss
  • Tick Possession replacement
  • Tick Medical surgery fees
  • Tick Vehicle damage

Trophy Competitive liability quotes on over 300 trades

  • Acupuncturists
  • Aerobic centres and instructors
  • Amusement arcades
  • Animal feed suppliers
  • Betting shops
  • Bingo halls
  • Blacksmiths and farriers
  • Breweries
  • Building and allied trades
  • Caravan sites
  • Casinos
  • Cement manufacturers
  • Cinemas
  • Civil engineers
  • Children’s nurseries
  • Clothing recyclers
  • Community centres
  • Consultancies
  • Dairies
  • Demolition
  • Education centres
  • Electronic equipment
  • Engineering
  • Food risks
  • Foundries
  • Furniture removers
  • Hairdressers / beauticians
  • Health clubs / saunas
  • Heavy engineering
  • Heating / ventilation contractors
  • Holiday homes
  • Hotels / restaurants / bars
  • Imports / exports
  • Insulation contractors
  • Karting circuits
  • Launderettes
  • Lift engineers
  • Manufacturing risks
  • Marquee supply and erection
  • Nightclubs
  • Paediatricians
  • Pathologists
  • Railway contractors
  • Roofers / scaffolders
  • Rubber product manufacturer
  • Skip and waste
  • Stage and set erectors
  • Windscreen fitters / repairers

Business Insurance Experts

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Red Star

91% Renewal Retention

We strive to build a strong relationship with our clients. Ensuring quick and informed responses - with no delays.

Red Heart

Invaluable Experience

Our team of 8 has over 138 years combined insurance expertise and are duly qualified to help you.

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3,003 Live Policies

We insure firms with just one person right up to companies with 738 staff, 205 vehicles and a turnover of £120,000,000.

Red Scissors

Tailored Package

Comprehensive insurance products tailored just for the needs of your business requirements.

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Local Protection

As a local broker we can look after your business on a more personal basis. Pop in to see us or we can arrange to visit you.

Green Cup

Trusted UK Insurers

We present the most suitable policy based on the quality of cover after comparing up to 30 UK insurers.

Contact our team on 0161 763 8222 or request your free quote

Customer Reviews

4.9 Star Rating Rated 4.9 out of 5 on Google

5 Stars
Derek Whitaker

Derek W

Five Stars for B&M


Great people to deal with at B&M, always get a fantastic insurance quote and that's why I've been with them since 2004 and will continue to use them.

5 Stars
Christine Bell

Christine B

Highly Recommend


Very helpful and nothing is to much trouble will go the extra mile for you and competitive. Nice guys.

5 Stars
Barry Worrall

Barry W

Excellent Price


5 Star Service, excellent price, also customer service was more than helpful.

Would highly recommend B&M Insurance.

Our Team: 138 Years Combined Experience

Kevan Haughton

Kev Haughton

Julia Alberto

Julia Alberto

Ryan Hinegan

Ryan Hinegan

Kelly Naisbitt

Kelly Naisbitt

Daniel Fay

Daniel Fay

Lynda Marney

Lynda Marney

Find out more about our team of friendly insurance specialists

Trusted by 3,000 in Greater Manchester

Call 0161 763 8222 for a free quote

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