Public Liability Insurance

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Public Liability Insurance

Public liability insurance is essential for any sole trader, partnership or company that has potential exposure to cause property damage or personal injury to any person who is not under your employment. Having a public liability policy in place can help to keep your mind at rest in the event that a client or member of the public suffers damages or injury because of your business.

Based in Bury, Greater Manchester, our team has over 138 years combined insurance expertise giving you confidence that you will be supplied with a tailored policy just for your unique business needs.

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Public Liability Insurance
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Protection Against Claims

Protect yourself

Accidents can happen from time to time, that’s the risk of running a business. Public liability insurance covers a wide range of events if a mistake causes injury to a client / member of the public or damage to their property. The cover we provide protects you financially if a claim is made against you.

Common claim scenarios

A claim could be made against you or your business if a mistake occured while you were working. This includes any damage to your client's possessions or their property, financial loss to someone else as a result of your work or personal injury to anyone who does not work for you.

Why B&M Insurance?

  • Insurance provided by leading UK insurers
  • Everything is run from our offices in Bury
  • Trusted by over 3000 Manchester businesses
  • Tailored quotes to your specific needs
  • Quote comparisons from multiple insurers
  • Over 25 years providing excellent service

Public liability cover tailored to your business

B&M Insurance will tailor your public liability insurance policy based on the needs of your business. Minimum cover starts at £1 million which is suitable for most sole traders and small business owners. The general levels of cover are £1 million, £2 million and £5 million, but the amount you require will depend on the nature of your business and we offer policies higher than £5 million if required. Companies and traders working for the government, shopping centres and large commercial buildings often need higher levels of cover.

Our experienced advisors will be able to discuss the right policy for your requirements when building your quote. Public liability insurance covers you for negligence, mistakes happen, but you are still required to take responsibility for your actions and act in a professional way.

Grab a public liability insurance quote

To obtain a quote for your business with the correct level of cover, you can contact our team on 0161 763 8222. We have been insuring businesses in Greater Manchester for over 25 years, offering policies suited directly to individual business needs. Challenge B&M Insurance to get the best quotes for your business, or fill in our online form and we will call you back.

You may also require employers' liability

If you require public liability insurance, it is likely you also need employers’ liability insurance cover for your business. In 1968 the compulsory Employers Liability Act was filed, ensuring that employers have a minimum level of insurance to cover claims made by their employees. It is a legal requirement for any businesses that employ any staff, and the minimum cover by law is £5 million. If you require public liability and employers liability cover, it is possible to receive a combined quote for one policy with one renewal date. Contact our team on 0161 763 8222 to find out more.

Hassle Free & Tailored To You

  • Initial Enquiry

    Contact our team on 0161 763 8222 or enquire online.

  • Identify Needs

    Our team will will discuss your requirements.

  • Compare Price

    We will provide competitive quotes tailored to you.

  • Optional Extras

    Choose from a wide range of options for other risks.

Customer Reviews

Rated 4.9 out of 5 on Yell.com

5 Stars

Michael T

Highly Recommended


5 star rating says it all - I have been dealing with Kevan and his team for more than 15 years for both business and personal insurance. I have always received exceptional service and advice - highly recommend.

5 Stars

Justine W

Outstanding from B&M


Having used Bricks and Motor for many years we can highly recommend using them. We are only a small business and Bricks and Motor provide us with the most competitive prices suiting our individual business requirements. Kevan and the team are professional and friendly with excellent communication. An outstanding service!

5 Stars

Craig M

Five Star for B&M


I've just recently joined B&M as I had previously been with the same company for past few years, Rebecca was very friendly and efficient, B&M blew any recent quotes (fleet insurance) I had out of the water, I won't be going anywhere else! Thank you

Kevan Haughton
Kevan Haughton
Ryan Hinegan
Rebecca Watkins

Our Team: 138 Years Combined Experience With Insurance

Kevan has knowledge and experience in all industries having worked with businesses for over 25 years. Certified by the Chartered Insurance Institute (CII).

Ryan joined B&M Insurance after graduating in 2003, dealing with the administration of the insurance policies we offer to our clients.

Rebecca graduated in 2012 and has worked with B&M ever since. She is also certified by the Charter Insurance Institute (CII).

Kelly first started working for B&M insurance in 1996. She is committed to ensuring exemplary customer service and professionalism.

Bradley joined the firm in 2015 & has already acheived his CII qualification.

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