Public liability insurance in Chard

Chard is a Somerset market town with a notable manufacturing and engineering base — including well-known product manufacturers — alongside an agricultural hinterland and a retail role. Public liability — cover for third-party injury or damage to the public's property — spans factories, dispatch and the town centre.

Where the claims come from in Chard

The town's manufacturing and engineering firms carry on-site third-party exposure and property-damage risk from dispatch and deliveries. Its agriculture and food sector brings processing and delivery exposure, and its retail core, serving a rural area, adds footfall liability.

A Chard example

A manufacturer dispatching product from its site has a delivery vehicle damage a neighbouring occupier's property in a shared access. The manufacturer's public liability meets the third-party claim — the dispatch exposure production sites carry around their gates and yards.

What the cover does

Public liability meets compensation and legal costs where your business injures a third party or damages their property. Chard's manufacturing, agricultural and retail contracts set the limit — often £5m or £10m for industrial sites.

Placing it in Chard with Apex

Apex Insurance Brokers is FCA authorised (FRN 724952) and has placed commercial cover since 2009, with access to more than 30 insurer markets including Lloyd's via wholesale. A named broker handles the account from the first call — sizing cover to a manufacturer, an agricultural business or a retail unit.