Angling is one of the most participated in sports in the UK. Public Liability Insurance covers any claims by a member of the public due to an injury or damage to their property caused by yourself, anglers or any one lawfully on your premises or property. It also covers any related legal fees, costs and expenses. Without public liability insurance you are liable for to pay the full amount of the claim. If you are unable to pay the claim, you risk losing your business, home and any assets that you have.
In 2002 there was £ 3.5 billion paid out in compensation for public liability claims. This increased to over £ 5 billion in 2003. No business should be without public liability insurance. A lack of public liability insurance puts thousands of businesses at risk every year.
At BJP Insurance Brokers we have been involved in Insurance for Anglers and Angling for many years and have insured some of the largest fisheries in England. Not only do we arrange the public liability for the fishing boundaries but we also include tackle shops, cafes, toilet blocks, mobile homes and we also arrange employers liability for fisheries staff, such as a bailiff or fishery managers. Some fisheries have resident coaches, who may well have public liability but if you employ them you may well need employers liability cover. We are happy to quote for game, coarse or match fishing establishments.
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. Additionally some of your customers and potential customers may require that you have public liability insurance before they allow you to work for them. We offer our service to fisheries, riparian clubs and other water owning bodies.
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 the number of employees, turnover, the activities of your business etc.
How can a Public Liability Claim Arise?
An example of how a public liability claim could arise is if a member of the public slips on a spillage in a shop and there were no clear warning signs for the spillage. The member of public could quite easily sue the shop owner for damages. With angling being so specialised we often encounter claims for:
- Electric fences
- Over head pylons
- Where a wooden staging for pegs have collapsed
- Broken poles and rods where there has been negligence on behalf of the fishery.
- Where gates have been left open and animals have strayed and been either injured or they have caused damage.
- 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.
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 one working day to discuss your requirements.