Public liability insurance in Frome

Frome is a Somerset market town with a strong independent, arts and creative economy — known for its independent retail and its markets — alongside some manufacturing and a tourism trade. Public liability — cover for third-party injury or damage to the public's property — is, in Frome, largely about its markets, events and independent premises.

Where the claims come from in Frome

The town's well-known independent markets and events concentrate large numbers of the public in its streets and venues, carrying event and footfall exposure for organisers and traders. Its arts, creative and hospitality businesses host the public at exhibitions and events, its independent retail brings footfall, and its manufacturing adds on-site exposure.

A Frome example

An independent street market fills the town on a busy Sunday. A member of the public is injured when a trader's temporary structure collapses in a crowd. The organiser's public liability responds — the concentrated footfall exposure a large public market creates.

What the cover does

Public liability responds to compensation and legal costs where your business is responsible for injury to the public or damage to their property. Frome's market, event and retail contracts set the limit — commonly £5m, driven by crowd size and footfall.

Placing it in Frome 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 first contact — matching cover to a market or event operator, a creative business or a retailer.