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We offer a public and employers liability insurance contract for a wide range of catering and non catering risks for businesses based in the UK and Northern Ireland. If you want a quote for material damage please use this form
£10,000,000 any one occurrence
Liability for bodily injury for employees during course of employment
Health and Safety at work legal defence costs
Indemnity to principals
£5,000,000 any one accident
Liability for bodily injury to third parties and third party property arising in connection with the business and not caused by products
Poperty owners and Occupiers Liability
Health and Safety at Work legal defence costs
Indemnity to principals
£5,000,000 in the aggregate
Liability for bodily injury and damage to third party property arising in connection with the business and caused by goods - including food poisoning
Consumer credit act and Food Safety Act legal defence costs
The £5,000,000 limit can be increased to £10,000,000 on request and payment of additional premium.
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ACCEPTABLE OCCUPATIONS |
REFER May be acceptable
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| All Group 1 occupations with 11-20 employees or with 21-50 seating capacity must be rated as Group 2 (count agency staff and casual labour) Between 51-100 seats rate as Group 3. | ||
| Group 1 | Group 2 | |
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(This is for guidance only and is not exhaustive)
Rating depends on turnover, the occupation and whether cover is required in the Province (cover will extend into Eire). Premiums include IPT and a £10.00 policy fee. Please note we do have another scheme for liability which may be slightly cheaper but cannot offer these online - please use this form.
| Group 1 Risks | Group 2 Risks | Group 3 Risks | |||
| Turnover | Excluding NI | Including NI | Excluding NI | Including NI | Excluding NI |
| Up to £30,000 | £192.15 | £348.10 | £337.05 | £480.90 | £337.05 |
| £60,000 | £234.15 | £425.80 | £418.95 | £606.90 | £418.95 |
| £80,000 | £276.15 | £505.60 | £506.10 | £733.95 | £506.10 |
| £100,000 | £320.25 | £583.30 | £593.25 | £867.30 | £593.25 |
| £150,000 | £363.30 | £652.60 | £679.35 | £995.40 | £679.35 |
| £200,000 | £401.10 | £715.60 | £756.00 | £1109.85 | £756.00 |
| £250,000 | £435.75 | £789.50 | £825.30 | £1213.80 | £825.30 |
| Over £250,000 |
Refer |
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One-off events can be covered (up to 3 days, 10 employees and 20 seats) assuming less than £7,500 turnover will be generated.
| 1 day - EX Northern Ireland | £125.00 |
| 3 days - Ex Northern Ireland | £160.00 |
| 1 day - Inc N. Ireland | £195.00 |
| 3 days - Inc N. Ireland | £250.00 |
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B Portwood & Company Insurance Home Page
- an overview of the site and types of policy on offer.
Commercial Liability
insurance - Public and employers liability, contractors, professional indemnity,
bad debt, credit performance bonds