Protection Against Third Party Claims

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 a client or member of the public suffers damages or injury because of your business.

Based in Bury, Greater Manchester, our team has over 35 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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Welcome to B&M Insurance

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 Quotes

    We will provide competitive quotes tailored to you.

  • Optional Extras

    Choose from a wide range of options for other risks.

Learn More

The law

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. We have also listed some of the more common claims that we deal with later on in this page. Unsure about something? Speak to us on 0161 763 8222.

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

Common claim scenarios

  • Damage to your client’s possessions.
  • Damage to another person’s property.
  • Financial loss to a person as a result of your work.
  • Personal injury to your client or a member of the public.
  • Fatality of a client or a member of the public.
  • Public Liability Cover Tailored To Your Business

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.

Client Testimonials

ARC Childrens Home

"I have relied upon B&M's expertise and knowledge for insurance for many years. Their focus on proactive, professional customer service has been a great benefit to our company. Gareth and the rest of the staff at Insurance Price have taken the hassle factor out of insurance needs. I would highly recommend them to anyone who appreciates service way beyond the norm."

ARC Children's Home Surrey

"I just wanted to send a note to thank you for all of the work you have done for General All-Purpose Plastics over the years. You have consistently guided us in a professional way through the complex and seemingly ever changing world of insurance. We trust you to ensure that you find us the most appropriate policy for our needs, with an insurer who is well established and efficient and at a price which is competitive."

General All Purpose Plastics Blackburn

Meet The Team

Gareth Williams

Gareth Williams

Gareth has a solid 20 years experience, holding a Certificate from the Chartered Insurance Institute (CII).


Kevan Haughton

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


Ryan Hinnegan

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


Rebecca Watkins

Rebecca graduated in 2012 and has worked with B&M ever since. She is currently studying for her Certificate in insurance via the CII.